This volume is part of a series of guides on different aspects of personal finance, from running a business to buying a home and from choosing a pension to investing in shares. They contain case studies and worked examples, together with practical ideas and advice. In this volume, the author aims to help readers improve their finances, whether it's to pay less tax, or protect the family, or invest for the future. There is advice on how these and other financial goals can be reached. Readers are taken through the various options with recommendations on what to do to achieve the best possible results. The author encourages readers to understand their own financial needs and make the most effective use of their finances by planning ahead. Helen Pridham was formerly assistant editor of "Planned Savings" magazine and is now a freelance journalist specializing in personal finance. She regularly contributes articles to "The Daily Telegraph", "Money Observer"and "The Glasgow Herald".