I run the UK's biggest bank, here are five ways to manage your money

Charlie Nunn, CEO of Lloyds Banking Group, the UK's biggest bank, offers five key tips for managing personal finances. His primary advice for building savings is to automate the process, such as setting up a direct debit or using round-up tools, so saving becomes a habit rather than a decision. He recommends "saving little, saving early and saving regularly" and suggests having an emergency fund of one to three months' salary for unexpected bills. Nunn also emphasizes the importance of financial transparency in relationships, using a joint account with his wife. He warns against fraud, particularly on social media, advising people to "be curious and ask questions" and to pause before sending money if they have any doubts. He notes that younger people are especially vulnerable to online scams, despite being tech-savvy, and encourages them to use available tools and call their bank for advice.