Whether it's for an engagement, wedding, anniversary, birthday or other occasion, at some point most of us are going to buy an item of fine jewellery for somebody. However, fine jewellery, which is designed to last a lifetime and longer, is not cheap, so are there any ways to save money on this kind of jewellery?

However much we earn, we want to keep most of it for ourselves. Tax and other inescapable demands are made on our income, and we don’t want to waste what is left over.

The safest way to avoid unnecessary debt is to resist the urge to take out a credit card. Used carefully, they won’t lead to debt, but many people find that the credit allowed starts to feel like their own money and, before long; they find they are paying simply to keep their debt from rising even further.

Just for a minute, sit back and relax, forget about your looming IVA. Money is not always the answer to everything.

Well we all know the old saying “Money doesn’t bring happiness” and there’s always re-joiners like ….. But it does make being miserable more fun. We have all been brought up with warnings that money and happiness don’t go together – we only have to think of people like Elvis Presley, Howard Hughes or Heather Mills. It’s even thought of as almost immoral to seek out and earn too much money.