A savings account opened 10 years ago may be earning very little interest. Look around to find something better but beware introductory bonus rates. These typically last one year, after which they drop to virtually nothing. If you do go for one of these, keep a note of when you opened it so you can move it to a better account when the introductory rate ends.
Putting jobs off just makes us feel guilty, so get into a routine with your finances. As bills and statements come through the letter box, put them into a specific box or tray, and go through them once a week. A good day is Mon(ey)day.
If you are self-employed, you need to keep all paperwork (receipts, invoices, payments, insurance, etc.) for a year after the online tax return deadline, which is 31 January each year. But you'll have to keep documents and receipts for longer if HMRC decides to carry out a check on you.
