Ask a good friend how they save

Unless your friendship circle consists of Richard Branson, Bill Gates and Oprah Winfrey, it's likely that your friends have thought about putting money away for the future.

Don't be embarrassed to ask friends and family about their financial plans. Often the best way to find out about a good deal is by word of mouth.

It may be that they can recommend a great financial adviser or that they've opened a savings account with a fantastic interest rate. Why not sit down over coffee and have a really good chat about the options available?

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