'Mind the pennies and the pounds will look after themselves' is a well-worn saying, the origin of which I have no idea! While it might give the perception of being 'mean' or 'tight' I reckon it's basis is in being proactive and deliberate in our approach to managing our personal finances.

This week I share 10 small changes that can have a siginificant and positive result for you as an investor, saver or retiree.

I hope it helps.

Paddy.