In these tough times it may seem difficult to save money, but if you can manage to set away even a small amount each week or each month it will quickly add up.
There are lots of websites that offer free advice, and websites which help you to find the best bank account to suit your needs. Some comparison websites include:
Hartlepool Credit Union
Hartlepool Credit Union is a not-for-profit organisation which helps its members to save and borrow money. You can open a savings account with Hartlepool Credit Union with just £1. Children can open their own savings account with the union.
Money Made Clear
Money Made Clear is a website run by the independent Financial Services Authority. It has lots of information about all different aspects of finance, including saving and investing, and you can download copies of their easy-to-understand information booklets for free.