David Elms Quotations

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.