Prioritize paying off high-cost debts, such as credit cards, overdrafts, and store cards, before considering investments 

Build a cash fund to cover three to six months' worth of essential expenses for emergencies 

Look for easy access accounts with the best interest rates for your cash savings 

Take advantage of tax-free allowances, such as pensions for retirement planning and ISAs for accessible investments 

Consider starting with DIY investing using investment platforms and fund supermarkets 

Compare fees and charges of different investment platforms based on your circumstances 

Start investing with small monthly amounts and gradually increase your contributions 

Opt for pooled funds like unit trusts or tracker funds for diversified investments and lower administration costs 

View investing as a long-term endeavor, aiming for a minimum investment period of five years 

Be cautious of unsolicited offers and high-return investments, and avoid companies that contact you out of the blue