I have tried - without success - to teach our son to budget and live within his means. He is 19, works full-time on a zero-hours contract and lives at home. My worry is what could happen if he gets into debt. Say, for example, he fails to pay his mobile phone contract and, ultimately, (if demands are ignored) this leads to court enforcement officers turning up to demand payment.

Controversial binary trading firm BinaryBook has been encouraging UK savers to trade. But a group of investors are taking legal action against the firm. Some victims claim to have lost as much as £600,000. Employees of firms linked to it were pictured partying in Greece and being given BMWs wrapped in ribbons as rewards. The firm appears to be part of a group of linked companies owned by Israeli Yossi Herzog (inset).

NatWest, RBS, Barclays, Halifax, Lloyds and Santander are all cutting rates, hitting loyal savers particularly hard. Customers should vote with their feet and move their cash to better deals. On Monday, Natwest began the purge by cutting its Cash Isa and Instant Saver rates to the bone.

Henrik Fisker, the Danish designer who brought us the Fisker Karma in 2011 is back, and this is the vehicle he envisages battling with Tesla, called the EMotion. A five-door family car with 'Butterfly doors', it could price match the Model S if it does make production.

In the past companies often advertised misleading 'free' broadband deals, with a separate monthly line rental charge buried in the small print. New rules from the Advertising Standards Agency however mean companies must display the overall monthly cost and any up-front fees.

Savers who have used a high interest-paying current account trick to bolster the meagre returns on their standard savings account are being hit by bank cuts. The first arrives tomorrow, as from 1 November, Santander's 123 account will pay a single interest rate of 1.5 per cent up to £20,000, down from 3 per cent.

I would like to remortgage either some or all of them to raise some further cash to invest in buying two more properties. I know that there are lots of changes going on for landlords at the moment though and I'm confused about whether to buy the new properties in a company

While the traditional fears on Halloween are of evil spirits, what has these investment experts waking up in a cold sweat is a little closer to home. While the imminent battle for The White House looms large in many investors' hopes and fears, other concerns are less obvious.

The caller said my home was in the wrong council tax bracket and if it was reduced I could be £240 a year better off. When I said I had lived in the property for eight years, I was told I was entitled to £240 eight times over.

Next said overall sales across its stores and Next Directory arm fell by 3.5 per cent in the three months to October 31, with sales flat across the online and catalogue division. But the group said trading had improved since September, with full-price sales rising by 1.3 per cent in October.

The two oil giants have only been able to keep their dividends after slashing billions of pounds in costs following a collapse in the oil price from $112 a barrel in 2014 to less than $30.

When it comes to lending on property, banks and building societies prefer to help the usual suspects. Applicants with regular income, a squeaky clean credit record, decent deposit and who are purchasing a bog standard home will sail through the buying process. But if your job or property are unconventional - and your credit record less than perfect - it can be a struggle.

A grieving widow has spent four years trying to prove her husband was 'mis-sold' a life insurance policy that failed to pay out when he died from a brain haemorrhage. Jayne Ackerley expected to receive £100,000 from a policy bought to cover the couple's joint mortgage in 2009. But an error in a figure on the application form completed by the insurance salesman on behalf of her husband Robert meant she did not receive a penny when he died aged 56 in July 2012.

Marmitegate - the pricing row between maker Unilever and supermarket Tesco - turned out to be a red flag that prices were rising. Inflation climbed to 1 per cent in September, its highest rate since November 2014. Because inflation erodes the value of cash, it means what £1 bought a year ago, it cannot buy today. So savings that may have been safe sitting in the bank earning negligible interest are now losing buying power.

Free home deliveries could be under threat after last Friday's landmark legal case against taxi firm Uber, industry bosses have warned. The claim against Uber, brought by the GMB union, could force the firm to classify its 40,000 UK drivers as members of staff, which would significantly raise costs for the business. Unions are now planing to press their advantage and target delivery groups that also use drivers and other staff classified as 'self-employed' - a potential earthquake for the transport groups involved in the online shopping revolution.

Overall, 11 per cent of all age groups surveyed have yet to start a pension and on average they don't expect to start paying into their pot until they are 46. And nearly 40% of under-50s fear they have only just saved enough to get by in retirement, while a further one in five under-50s say they won't have enough savings and will have to work beyond their planned retirement age.

The most viewed homes for sale this month include a luxury barn conversion with converted outbuildings, a detached new build mansion and a three bedroom apartment with a £1.5m price tag. But which is the most popular property?

A world without work sounds like the stuff of dreams, but it's drawing ever closer. So will it mark a time of relaxation and prioritising family or could it lead to social upheaval and unrest? In this episode of the Big Money Questions, senior editor and economics columnist at The Economist Ryan Avent talks presenter Rachel Rickard Straus through what this new reality could hold and how we can smooth the ride.

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.

Despite endless media coverage of the political wrangling and financial speculation, the average Briton can be forgiven for remaining confused about what 'soft' and 'hard' Brexit really mean. About the difference between the 'Norway model' for the UK's post-Brexit relationship with the UK and the 'Swiss solution'. But a clever table put together by HSBC in a report called 'Is Brexit Getting Harder?' cleaves some clarity from the murk.

An interest rate cut before the end of the year looks less likely following the plunge in the pound. However, the Bank of England has indicated that higher inflation driven by rising import costs won't make it lift rates.

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.