THE money that we deposit into our bank accounts doesn’t just sit in a safe until we need to withdraw it. Banks use our money to fund their other profit-making activities – from loans to investments.

Save money. Spruce your space. Feel smug.

Geoff Hodge brings you the goods that will help you save and store the stuff of life – water!

From downpipes to planting plans, expert advice from RHS gold medallist Tom Massey to help your garden cope with drought, deluges and everything in between

Next time you need to buy something, save cash with these handy tips 1 FIND FREEBIES Depending on what you’re looking for, try to get it for free first. I’ve recently spotted furniture, a kids’ Wendy

V isions of the parched ground of last ...