Did you know that there are many Government and local grants available to help improve things like insulation / heating etc in your home? Find out if there are any you can claim, by visiting DirectGov.

• It often pays to switch.
  Whether it’s switching to own brand products at the supermarket or getting a better deal on your energy bills. Shopping around for the best deal has the potential to save you money.
• Use your local library.
  Borrowing books and DVDs from your local library is much cheaper than buying new copies from shops, which is great for all the family.

Talking to your children at home about money and what it means is great, but sometimes it’s hard to explain things in terms that they will understand. Nationwide Education has a great Word Bank which can help you explain money terms to your children.