4 Quotes by David Elms

Whether through apathy or confusion, the failure to claim these credits is just one way we're needlessly gifting vast sums to the taxman each year.

Retirement seems a long way off when you are in your late 20s or early 30s but if you don't start planning for your pension in time, it will have a serious effect on your future lifestyle.

People can take simple steps to stamp out waste, such as non-taxpayers filling in a simple form, or married couples making sure they use up both tax-free personal allowances.

This is partly due to people taking on responsibilities - such as buying a home or getting married - later on in life. It's often only the serious events like these that trigger a real need to budget.