Did you know that these books are available free online? Use your library card number to log on to the Personal Finance section of Know UK and refer to these books whenever you like (bypassing the risk of getting fined for having the books out past their return date - there, we've saved you money already!)

You can also take a financial Health Check from the Money Advice Service - it only takes 5 - 10 minutes. Just answer a few simple questions about you and your money and get a free confidential report outlining how you can improve your finances.