Times are hard, and although hopefully we are now seeing the first green shoots in our economy, there has never been a better time to improve your relationship with money and the state of your finances.

Have a look at these website articles for ideas on how to make a start –

• “No more fighting over bills! Here are 3 tips to master your money” on The Catalyst website
• Time’s “Struggling to Repay Your Debt? The Snowball Method Could Help” here.