Simon Lambert

Make sure that you've got yourself sorted because if rates come down, you can always move to a cheaper deal if a cheaper deal comes up before your remortgage is up.

But if rates go up, then you'll be stuffed.

So think about that.

Make sure your savings are getting the best rate.

Make sure you're not losing money to tax that you don't need to lose to.

So if you've got savings sitting outside of an ISA and you've got ISA allowance that you could use, which most people will do at the start of the year, get those savings into a cash ISA.

Don't lose 40% of your interest to tax.

Also, in terms of investments, dividend tax has gone up.

Capital gains tax has gone up in recent years and so on.

If you've got investments outside of an ISA, get them into an ISA.

Just do that kind of sensible financial planning stuff that you should be doing anyway.

But maybe this is the prompt to do something about it.

He's uncovered a variety of things which range from the sort of slightly offbeat, like the cows mooing at you for the milk.

And I agree with you here, actually.

I'm not convinced that this one would work because I think people like to be detached.

I think they like their milk to be detached from where their milk came from in a way that cows mooing at you doesn't.

There's also talk of hens clucking next to the egg aisle and things like that.

That's hilarious.

That is hilarious.

Were they near the milk aisle?