How money smart are you?

You have a well-balanced approach to money and can account for your finances pretty comprehensively. Credit cards, if you use them, are paid off wisely. You make sure your monthly statements balance.
*If you already bank online, use your banking app to keep closer tabs.
*If you haven’t already got an IFA, find one at unbiased.co.uk and book your finances in for an annual health check to make the most of your money savviness.

As far as you’re concerned, life’s too short to worry about money, so if you’ve got it, spend it. In fact, even if you haven’t got it, you spend it – that’s what credit cards are for! From meals out to holidays, your income is spent on things that give you pleasure and a status boost.
*Get a budgeting app, such as MoneySmart.
*Need motivation to save? If you’re struggling to put money aside now, when you're earning, imagine managing on the state pension (going up to £151.25 a week in April).

If finances are out of sight you don’t have to deal with them – or that's what you think. Bills and bank statements are neglected and you don’t know how much money, if any, is in your current account or pension! It’s all so overwhelming and anxiety provoking, you'll deal with it later. Time to stop burying your head in the sand.
*Start with small steps: read bank statements and credit card bills and be proactive.
*Keep a spending diary, religiously, for a week to help you pinpoint exactly what you are spending and when. Categorise receipts into different envelopes.

Your ultimate money mantra is, saving for a rainy day. Not one to indulge in life's little luxuries, you will always worry that you could have got a better deal or bargained somebody down.
*Don’t forget to enjoy the rewards of your thriftiness occasionally it's not wasting money doing so.
*Cheapest isn’t always the most important criteria, quality and customer service is worth paying extra for.