The financial crisis of 2008 forced most savers to go back to basics on how they could best preserve their wealth. It was like going to school again - except this time, the curriculum was terrifying.
Everyone had to think hard about whether a bank or building society might go bust and adjust to saving in a world where, for the first time in memory, cash on deposit earned next to nothing in interest while inflation continued to eat away like acid at people's wealth.
Unfortunately, we are still in the thick of it, with the economy in recession, savings rates stalled, mortgage rates heading up, the tax burden on households increasing and job insecurity the norm.
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