Saving tips

How to be good with money in tough times

• Save a little each month - when times are tough, it's tempting to put saving on hold. But putting even a little aside each month makes a difference. And don't forget to make use of tax free savings products such as ISAs.

• Save any unexpected extras - if you're lucky enough to get any kind of pay rise or bonus, don't spend it all. Try to put a little aside.

• Treat yourself once in a while - even during a credit crunch, life shouldn't be all work and no play. By putting a little aside for treats, you can afford to live a little now and again.

• Repay debts first though - while it's a great idea to try and save despite the economic climate, it's vital you deal with any big outstanding debts first. Don't keep putting them off. If you think you need help, see our 'Managing debts' tips for some useful contacts.