Age, lifestyle, income, health and aspirations all affect our attitude to saving. A new report by Barclays Bank suggests we fit into one of seven 'tribes', ranging from those keen to build a pot to protect against the unexpected to those who need to be coaxed into taking the plunge. 'Savvy' or 'squeezed', our guide will help you decide your group and, crucially, the type of account that you need.

Margherita Intelisano has become a safer motorist in recent weeks - thanks to a spy in her car reporting her every move as she drives.

Wynne Evans, the Welsh tenor, thinks playing Gio Compario in the Gocompare insurance adverts is the best job he's ever had. The critically acclaimed opera singer - who drives a £30,000 Mercedes convertible with red seats, bathes in a hot tub he bought on eBay and typically spends £15 a week on cheese - says the money he earned from starring in the adverts has been life-changing.

Creating your own 'mini- tax haven' does not mean you have to break any rules or follow the super-rich and hide money offshore. There are now numerous ways to build long-term wealth in the UK without either falling foul of the taxman or incurring unwelcome tax charges. Jeff Prestridge looks at the options.

There are five million such firms compared with just 3.5million 15 years ago and they make up 33 per cent of private sector employment. Research from BusinessesForSale.com has found 58.2 per cent of owners of these 'small but significant providers of employment and dutiful payers of tax' plan to work past the age of 66, with 75 per cent of them paying themselves equal to or less than the Living Wage.

Phonescheme claims it could cut the cost of buying a new smartphone handset by as much as 32 per cent. By asking employers to pay for the phone upfront through the scheme, consumers can avoid paying income tax and national insurance contributions on the purchase and spread the cost over 12 months.

Sir Peter Blake, 83, added his artistic touch to a £165k Bentley Continental GT V8 S Convertible, which is to go under the hammer with Bonhams at the Goodwood Festival of Speed. All proceeds will be donated to the Care2Save Charitable Trust. Supporters hope the 191 mph work of art will raise up to £1 million.

Former Pensions Minister Steve Webb is This Is Money's Agony Uncle. He is ready to answer your questions, whether you are still saving, in the process of stopping work, or juggling your finances in retirement. Read Steve's answer to a worker who wants to find out how much she's saved up in many small pension pots and whether it's worth combining them.

Would you buy a brand new home? About 150,000 households did so last year - and the suggestion is that we need to almost double that - but I couldn't see myself joining them. Like many, the real reason why I wouldn't want to buy a new home is because I don't believe they are built big enough. Give us the chance to build our own and that would improve.

At a stormy public meeting, yesterday one campaigner produced a pair of handcuffs for chief executive Stuart Gulliver and branded him a crook. Others demanded to know if they would ever see an improvement in the bank's rock-bottom share price.

James Hayward, pictured, thought a newly built, five-bedroom family house in Halifax, West Yorkshire, would be a great way to get on the housing ladder. But Mr Hayward and wife Liz discovered holes in the plasterwork, paint missing from walls, the boiler hanging off, alarming bulges protruding from the gables and dents in the garage door. They are not alone in their problems, as our investigation reveals.

Savers have had little to cheer about since 2009 with interest rates evaporating before their eyes. But from this month there will be good tidings at last - if not on rates, at least on protecting their dwindling returns from tax. We explain how you could now earn £1,000 - or £500 - interest tax-free.

Investment expert and Boring Money founder of Holly Mackay, pictured, holds account with more than 20 companies that enable investors to run their Isas online. She shares her thoughts on the country's top Isa providers and says that squirrelling something away in this tax-friendly shelter should be one of the pillars of most investors' financial plans.

For years savers have poured money into Premium Bonds because interest rates on savings accounts are so low. It's more logical than you might think. It's like playing the National Lottery without the risks. If you don't win you still get your original money back. But now major changes call that into question

Nationwide should be falling over itself to keep Lorraine Miller as one of its customers. She has her bank account, mortgage and home insurance with them and never misses a payment. Nationwide had won over Lorraine, 58, by convincing her that, unlike the big banks, it was trustworthy.

I like the idea of investing in collectibles. Are they are good investments, and how do I go about it? Holly Black, of the Investment Clinic, explains how these days you can invest in just about anything. Art, wine, whisky, stamps and coins are among the more popular choices for those looking at alternative investments. But you must know the risks.

The warmest winter temperatures in England and Wales since records began in 1910 meant customers used less heating, leaving them £132 in credit on average. Energy firms are clinging to the cash, but it should be as easy as giving them a meter reading and asking them to pay the money back.

Everyone loves a good Grand Design - something that has helped to make it one of the most popular property shows on TV. Yet after pouring everything into designing and building their perfect homes, some owners have decided to move on, with three Grand Designs currently on the market.

If you want something sensible buy an anorak. That advertising slogan of its heyday was taken to heart by a classic car collector who paid £25,200 for a mint condition Peugeot 205 GTI at auction. Simon Lambert takes a look at why among some more pedigree sales, it was the more modest 25 year-old hot hatch that got the classic car world talking.

Residents in affluent towns on the outskirts of London are most likely to hold a credit card, according to new research of 43million people across Britain. You can put your postcode into the noddlehood website to see how you compare to neighbours and the rest of the country.

When using a cash machine, it is important to be alert for signs of criminal activity - of which there can be many. This graphic details just a few - from cash dispense units with false fronts to loose elements. Up to 2,500 Britons fall victim to card fraud at ATMs every week, according to Financial Fraud Action UK - and those going to the US on business or holiday have been told to take extra care. It comes after the number of machines hacked by criminals in America last year rose 546 per cent in 12 months to its highest ever level, according to New York Stock Exchange-listed software firm Fico. When using a cash machine, it is important to be alert for signs of criminal activity. Fico's fraud specialist Brian Kinch has given MailOnline some telling signs that an ATM has been tampered with. Pictured are ticket skimmers, which are gadgets superimposed to steal card information on top of real cash machines.

Steph McGovern, the BBC Breakfast presenter, says the worst financial decision she ever made was investing in property. McGovern, who bought a three-bedroom terrace house in Middlesbrough just before the 2008 financial crash, estimates the home is worth 15 per cent less than she paid for it. She reveals all in Me & my money.

To clear the average national household debt of ?13,000 at 6% interest with a monthly repayment of ?100 will take around 17 years. There are, however, plenty of simple ways to make significant savings on your regular spending that could clear your debt - or boost your savings - in less than a year. This is Money's top 50 - updated - money-saving tips may appear light-hearted but are deadly serious.

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

George Osborne's continued austerity revealed in his 2016 Budget is likely to keep rates on hold for longer. Inflation expectations have been revised down for 2016 to 0.7 per cent, while Brexit uncertainty and slow global growth are also playing on rate-setters' minds.

For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Climbing house prices, rising rents and improving mortgage deals are tempting investors - although they will need a big deposit. Read This is Money's top ten buy-to-let tips

Musicians have seen pay rises averaging nearly 20 per cent in 2015, while cleaners are getting 17.8 per cent more, and window cleaners 12.3 per cent. Artists in general are earning 14.6 per cent more in 2015 than 2014, according to the huge annual data dump of pay scales by the Office For National Statistics highlights.