You might invest, but do you have a a clearly defined plan of what you are investing for and how you plan to do it. If you're anything like me the answer is 'no'. But without an investment plan you are much less likely to achieve your goals - one expert says it's like 'driving without knowing your destination' So here's how to get one quickly and easily.

I saved more than £700 worth of Nectar points over the years through regular shopping at Sainsbury's and BP - but the points have been spent by a fraudster in Argos at the start of July. How has this happened and why hasn't Nectar refunded the points yet?

This is according to new research by uSwitch, which uncovered that two thirds of drivers are putting their payout at risk by a lack of awareness about actions that could make their policy worthless. It listed the top 10 misdemeanors made by motorists, which includes simple car maintenance, locking the doors and avoiding footwear that is seen as dangerous.

In June, savers pulled a huge £1.17 billion from big banks, figures from trade body UK Finance show - the largest amount since records began more than ten years ago. They put in £6.5billion into taxable bonds and easy-access accounts.

In the first case of its kind, Gideon Roseman managed to track down his stolen money after it been sent to a crook's account - and get every penny back. Gideon was conned when fraudsters posed as the builder he had hired to extend his home. They hacked into the builder's email account and sent the 39-year-old barrister a message asking him to make a lump sum payment before the work could begin.

Properties in the £2million-plus bracket are being sold at £296,000 less than their asking price on average, a drop of 10 per cent, according to data from EstateAgent4Me. Across England and Wales, luxury homes that were originally priced at between £1.75million and £2million are being sold at a typical discount of £225,000, while those between £1.5million and £1.75million have an average discount of £142,000.

I moved home in September 2014 and sent a new meter reading to energy supplier ScottishPower. I asked to be put on a monthly direct debit, but I heard nothing back. I kept phoning and sending updated meter readings but had no reply until June 24, 2015. Now it has sent me three baffling bills, the largest of which is for £3,754.

We're constantly being told that to get the best deals on everything from broadband to energy and insurance we should switch, switch, switch. But it's not always as simple as we're led to believe. Here's how to switch all of your household bills to shave hundreds off your bills without getting into a muddle

In the 1950s and 60s, stamp collecting was commonplace, with around half of young Britons having a collection of some sort. Since then, its popularity has died out. However, many may have collections gathering dust, either inherited or forgotten about in the loft, and no idea how to get them valued - we reveal how, and the gems that have been found in the attic.

We've all seen ads for cars that seem incredibly cheap, only to see the dreaded phrase 'Category D' tucked away at the bottom of the spiel. Immediately, most of us will suspect the worst and move on to the next ad - but is that necessarily a good idea? Might you be missing out on a bargain?

In its earnings report released earlier this week, the entertainment giant said it plans to launch a branded on-demand service in 2019. The service will initially be offered solely in the US, but Disney plans to roll it out globally over time.
Alongside the service, which will become home to future Disney blockbusters like Toy Story 4 and Frozen 2, the firm will also launch its own ESPN video streaming service.

Lars Windhorst (pictured with girlfriend Christine Barner) - who was reported to be worth £320m in 2015 and has a reputation for throwing lavish parties - denies the claims. Once the toast of Berlin society with fans including Chancellor Helmut Kohl, he moved to London nine years ago for a fresh start after going bankrupt and being handed a one-year suspended prison sentence for breach of trust.

The eastern European-focused spirit and liqueur maker saw volumes of flavoured vodka including cherry, lemon and strawberry sold in Poland - its biggest market, accounting for more than 64 per cent of all vodka sales - grow 7.7 per cent in the first half. Stock Spirits, which owns premium vodka brands such as Stock Prestige and Zoladkowa de Luxe as well as names like Stock 84 brandy, said this compares to just 1.4 per cent growth across the Poland's wider vodka market.

There are several reasons why people may not disclose their full income and gains, including that they may not realise that they need to do so. Unfortunately for these people, HMRC has ways to discover that tax was not paid and collect the money due.

We have had to move to a rented flat for a few months while renovating our home. We hope it will only take three months to get the work finished, what can we do about our broadband? Is there any way of getting broadband without signing up for 12 months or will we have to go without?

My husband sadly passed away and my state pension is to be reduced. I am confused why I should now be penalised at such a difficult time. I cannot find any information that suggests that this may happen and the government site only refers to how you may benefit.

A combination of record low mortgage rates and a lack of homes for sale has bolstered the property market, but the pace of house price rises has slowed considerably, according to the Halifax house price index. House prices rose by another £789 in July to bring the average home's cost to £219,266 - up 2.1 per cent on a year ago but down on the start of the year.

Workers aged 40 and over are being urged to obtain a forecast of their state pension to avoid huge financial disappointment when they reach official retirement age. It has never been easier to obtain this information. Nor has it been more important to act early to squeeze the best value from the state scheme.

Airline and supermarket reward cards are a popular option, but your favourite high street store may also offer a credit card that will clock up loyalty points when you spend. You are unlikely to earn a fortune or be able to use points to pay for your entire weekly shop but they do give you something back for your spending.

Craig Charles, DJ and comedian, came close to losing his home during the 2008 financial crisis despite being able to command fees of more than £10,000 a night working as a DJ. Charles, who played Lister in cult TV sitcom Red Dwarf, had to fight to keep his five-bedroom house in Cheshire after taking out two 'mighty' mortgages and failing to sell an £860,000 property in Southampton.

The Government confirmed it last month - the sale of new conventional petrol and diesel-powered cars will be prohibited from 2040. However, that doesn't include hybrids. That means cars with petrol and diesel engines and a supplementary electric power source will still be allowed in the UK.Want to get a head-start on the new laws - these are the ten highest rated hybrid cars you can buy in showrooms today, according to the expert road test team at What Car?. Clockwise from top left: BMW i8, Volvo XC90 Twin Engine, VW Golf GTE, Toyota Yaris Hybrid.

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.

The amount you can save into a pension ultimately depends on what you can afford - but the longer you leave it the more you will need to save. We tend to put ambitious targets on our hoped-for income in retirement and then underestimate how much we will need to set aside to achieve that. So how much should you save?

Worries over debt in the economy have been raised in the latest bank Financial Stability Report in the wake of fresh speculation that interest rates may rise sooner than most expect. The latest MPC meeting led one investment bank, Nomura, to suggest a rate rise could come as soon as August. Economist George Buckley said comments from Bank chief economist Andy Haldane's and the 5-3 split made an early move more likely.

Compare your pay to the national average and see whether your employer treated you to a pay rise in line with the the rest of your profession. Farmers, care and air travel assistants were big winners on the pay scales in 2016. Travel agents, careers advisers and probation officers lost out.