Since pretty much all aspects of life have been upended over the last year, most people have found themselves adjusting to a completely new routine. This can be a positive; new hobbies, lots of walks and more time spent with family, or challenging; figuring out a comfortable way to work from a box room.

In today’s era of consumerism on a grand scale, it can be hard to maintain a clear and constant perspective about the value of money. Many of us muddle along, surviving, making mistakes and getting by. However this is no example to give to the next generation who are likely to pick up on our behaviours and habits. Instead we need to carefully teach our children about how to act responsibly with money and to give them the best chance of building positive financial habits for life.

There is light at the end of the tunnel in the shape of the rollout of the vaccine starting to gather pace. We’ve decided to keep our positive outlook to the fore and want to set out five simple tips in relation to your finances that will ensure you can enjoy life to the maximum when all of the restrictions ease...