The white part of toothpaste is mainly made up of finely powdered chalk – so it actually becomes a good cleaning agent. Clean smudges and scratches from your CDs.

Always assume the worst. When you take out a bond, NEVER be persuaded to loan five or six times your annual salary. It's not the way to go. This level of borrowing is bound to push you to the limit of what you can afford to pay...

Don't get robbed by dodgy repairmen. Here are five ways to spot a potential conman and save thousands...

Most people – myself included – rush into a task headlong, deal with it, then move on to the next one… like working through an in-tray that’s constantly filling.The problem with this is that your day can be taken up with fire fighting (doing what’s necessary to keep the workload down) rather than achieving your goals.