With Cash ISAs offering such low rate of return on our investments, is it finally time for a change? I turn my attention to the Stocks & Shares ISA and discover why it pays to start saving early.

Soon after introducing pocket money, we realised our children needed to learn good money habits. That’s when we discovered goHenry (formerly PKTMNY), the Pre-Paid Visa card and app for 6-18 yr olds. As well as being a fun way to pay pocket money, goHenry has helped to teach our kids that saving and earning money is just as important as spending it.