For those of us who aren’t millionaires Martin Lewis’ Money Saving Expert website should be at the top of our bookmarks, and his Teenage Cash Class should be compulsory reading.

What’s in it?

Lesson 1: A company’s job is to make money

A company’s job is to make money; it is NOT there to help you, it is NOT your friend. They spend billions on advertising, marketing, and teaching their staff to sell; all to make you part with your cash, even when you shouldn’t!

Lesson 2: Debt isn’t bad, bad debt is bad

There’s very little chance you’ll be able to live your life without borrowing money at any point, whether it’s for university, a house or something else you need. Get it wrong and it’ll cost you a fortune. Unlike most other things we spend cash on, you can’t cancel debts, so you need to get it right the first time.

Lesson 3: Loyalty doesn’t pay

Loyalty is for losers, and doesn’t pay. The normal rules don’t apply here, stick with the same people longer and you’ll get less. Martin Lewis, Money Saving Expert.