1. Look after the pennies, the pounds will look after themselves.
2. Check to see if you are getting the best rate on your savings, rather than counting your change at the local shop.
3. If you come into some money, pay off any borrowing you have first.
4. Pay off your most expensive loans first.
5. Offset your mortgage, if you have one.
6. Don't be emotional about your money; if an asset isn't performing consider alternatives.
7. Do review your insurance needs and policies every year.
8. Don't go overdrawn, transfer money from day to day savings instead.
9. Pay off your credit card every month, using your everyday savings.
10. Take out an ISA every year.

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