Did you know you could build a £10,000 pot in seven years by saving £5 a day (during the working week so £100 per month – by abstaining from shop-bought coffees or lunch!). That is the claim from one provider of stocks and shares ISAs as the stock market climbs ahead of a new tax year for ISAs’ (see http://youngmoneyblog.co.uk/what-young-people-arent-told-about-their-finances/). It makes you think – but it does require a 5% growth rate annually. Even if you could save £5 per day, we are not sure everyone could achieve that return. It is investment based and we think our savers should build up a cash reserve to start with and only start investing when they feel confident in putting say half of their cash into investments.