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A former banker has shared a straightforward three-step approach that she claims saved her thousands of pounds. Charlotte Ransom worked for 25 years at major investment banking firms JP Morgan and Goldman Sachs, meaning she has considerable expertise in money management.

The former banker explains that managing personal finances is about achieving balance, something she admits she overlooked whilst overseeing substantial portfolios professionally. Charlotte maintains that following her approach saved her "thousands of pounds". She told The Times : "It's high time that more people split out their savings to make full use of their tax-free allowances and benefit from inflation-beating returns.

"There's a simple but transformational framework that can help you do this eff

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