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

Charlie Nunn is CEO of Lloyds Banking Group - the UK's biggest bank providing one in four current accounts - meaning he has a deep insight into customers' spending, saving and borrowing.

Here are his top tips on how to manage your money from saving to avoiding scams.

This means regular saving will stop being a decision or action you have to keep taking - and putting off.

"If you're able to carve out a little bit and put it somewhere else where you won't have access to it and be able to spend it, I think that's the easiest way to start having a saving mindset," he says.

That could mean setting up a direct debit from your current account to a savings account, organising cash into different envelopes or using round-up tools that put spare change aside when you spend.

He admits he "hates budgeting and always has" so he says he looks at his current account as soon as he gets paid and decides how much he wants to move into savings. "Do it as soon as you can," he adds.

As well as savings, he recommends having an emergency fund for surprise bills like a broken boiler or car repairs. How much you need in the fund depends on your circumstances but he advises having one to three months' salary set aside if you can.

Nunn and his wife use a joint account and have "complete transparency" over money, he says.

His red flag in a relationship is "someone who isn't careful with money" because he has always been "relatively prudent".

His attitude to money was shaped by childhood - his parents divorced and his mother raised four children which meant he grew up thinking carefully about spending.

"We were constantly worrying about what we were spending money on and managing money carefully which ranged from looking for cheap food in the supermarket to thinking carefully about holidays and what we did in our spare time".

Nunn says his children "take no advice from me because I'm their dad" but he's tried to make them understand the value of money.