If you have a family, the financial decisions that you make could hardly be more important, in that they impact on everyone in your family and not just on you.
It is essential that you exercise good judgement when it comes to making major financial decisions. For instance, buying a car is one of the largest financial outlays you are likely to make.That is why it is really important to shop around for the best available deal, then play one dealer against the other. Don't be tempted to think this is not fair - you owe it to yourself and your family to spend your money wisely
If you have surplus funds at the end of each month open a savings account or an ISA to deposit these monies automatically from your bank without you having to even think about it. You can set this up with online banking quite easily and if you do things this way, you probably won't even miss the money, which after time it will build up to a decent nest egg in your savings account.
Pay special attention to yoir regular outgoings such asdirect debit on your mortgage or credit cards. Often you will be able to make decent savings on these regular payments by switching from one provider to another. The same is true of household utlility bills such as gas, electricity phone and broadband. It may appear a bit tedious to have to check out all the various deals to try to find the best one, but remember there are plenty of comparison sites online that will already have done all this hard work for you.
The thing to bear in mind is that once you become conscious of the effect your financial decisions can have on your monthly income, it will become like second nature to check things out more carefully and get the best deal available. And remember, its never too late to start saving money!