Questions to ask yourself ... to sort out your finances

"People who don't put in the legwork get charged more. Savings accounts often give a better interest rate for the first year, then it drops dramatically..."

"Put a note in your calendar for when subscriptions and contracts will end, because you always pay more when they automatically roll on..."

"A traditional rule is 50:30:20, so 50% on essentials, 30% on things you want and 20% on savings, but that's unrealistic now that essentials are so costly..."

"The key to saving is, when money comes in, put it out of reach. Round-up apps, or a high street bank account... are great."

Read at www.theguardian.com