I must say the beginning of this year was much more positive than the. 4 if I buy 1kg coffee at once 🙂 Bank switching perks Last November I moved from M&S to NatWest and followed their requirements to get £125 for that switch: NatWest switch perk I have 7 accounts and usually keep the ones that don’t earn me any benefits a long time after the switch so that I can use them to switch whenever a new switch deal pops up – although admittedly there is fewer and fewer of them as COVID doesn’t encourage anyone to splash cash. .

Regular money saving is difficult. 1 in 10 Brits (9%) have no savings at all. A third of Brits have less than £600 in savings. The average Brit has £6,757 rainy day  savings (Source: Global Banking and Finance, Gov.uk, Money Advice Service, ONS) There are multiple ways to start saving and investing but what is