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Moreover, the stats look pretty dire when it comes to saving.

However much of a stretch it is, the Government does recommend you build up a pot of at least three months salary for emergencies.

Not “are doing a great deal on a Croatian Island hopping adventure” type of emergency either.

For those who need instant access to their cash the Cheshire Building Society is paying an interest rate of 2.3 per cent for deposits from £1,000.

Both the Halifax and the Cheshire let you transfer previous years’ Isa allowances into their accounts – meaning if you have saved in an Isa in the past you can transfer the tax free status by transferring that balance into these accounts and earn a competitive interest rate.

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