Apathy is a key reason why many people don't move their savings accounts to try to get better interest rates.

The basics of good financial planning are not sexy - it's about the accumulation of small improvements such as regular budgeting, changing everyday expenses to get better deals and reviewing savings to get better rates.

Everyone needs access to their money for everyday needs and to provide emergency funding in case of unexpected expenditure. But many people might keep too much on easy access, so preventing some money from being invested where it could earn better rates. As a rule, about 3 to 6 months worth of annual salary can be kept within easy access. The rest should be invested elsewhere to give better growth.