You have a surplus income

Congratulations, you're managing your finances well and have additional money. Consider making a surplus income work for you.

Expert suggestions

• Consider setting aside funds to help with unexpected costs
• Plan events like holidays, birthdays and Christmas to get the best deals available
• If you use credit cards you may be able to take advantage of 0% balance transfers and offers
• Take advice from an Independent Financial Adviser if thinking of investing surplus cash or adding to a pension

Our online toolkit around financial capability offers a range of resources to enable people to take back control of their finances. Find out more by clicking on the links below.