sound financial advice

The BBC has an adverticle by Mark Lyonette, the Chief Executive of the Association of British Credit Unions that includes some advice that maybe the government should listen to.

Work out your budget - decide what you can afford and stick to it. Do not feel daunted by the idea of budgeting and do not feel pressured into spending more than you can afford to.

Try and get into the habit of saving a little each week or month; it is amazing how it can build up.

Of course Mark Lyonette thinks that the best place to start is the local Credit Union but then he would, wouldn't he.