Done correctly she won't have to give up shoe shopping. Carry on like this and she'll be the woman who lived in her shoes.

Budgets are not necessarily just about cutting back or saving money but just monitoring your money is important. This shouldn't stop him going out or buying clothes, say, but if Justin can put by a set amount each month to spend on these luxuries, he will be much less likely to overspend.

We've regularly highlighted this account as an example of a big bank getting it right.

Time is of the essence. It is vital that if you have cash languishing in any account and have not made use of your ISA allowance, then you should do so immediately. What is the point of paying tax on your savings if you don't have to?