5 ways to create a financial plan

With only three (or four if you’re lucky!) ...

Q My kids say their packed lunches are boring. Do you have any tips for cheap ways to improve them? A Consider keeping a selection of different types of bread in your freezer, such as pittas and bagel

Small changes can make a big difference when it comes to rethinking your finances

Help them make the student loan last (without missing out)

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