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Bihar Police Constable Online Form 2025 (19,838 Posts)

Bihar Police Constable Recruitment 2025 Author: Sarkari Exam Team Tag: 10+2 Pass Job Short Information : Central Selection Board of Constable (CSBC) has released the notification for the post of Bihar Police Constable. This recruitment has been issued for 19,838 posts. Online applying process for Bihar Police CSBC Constable Recruitment 2025 will start from 18 March ... Read more

The post Bihar Police Constable Online Form 2025 (19,838 Posts) appeared first on Sarkari Exam.com.

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MPESB MP Police Constable 2023 Final Result

MPESB MP Police Constable 2023 Final Result Author: Sarkari Exam Team Tag: 12th Pass Job Short Information : Madhya Pradesh Employee Selection Board (MPESB) has released the Final Result for the post of MP Police Constable. This recruitment has been issued for 7090 posts. Applications for MPESB MP Police Constable Recruitment 2023 were filled from 26 ... Read more

The post MPESB MP Police Constable 2023 Final Result appeared first on Sarkari Exam.com.

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Who has Michelle Keegan dated? Everything we know about the Brassic & 10 Pound Poms star’s exes and past relationships

MICHELLE Keegan is a beloved soap and comedy actress, known for her roles in Brassic and 10 Pound Poms. 

The star announced on March 12, 2025, that she had welcomed her first baby with Mark Wright. But who has she dated in the past?

An image collage containing 1 images, Image 1 shows Michelle Keegan and Mark Wright at an awards ceremony
Michelle Keegan is in a long-term relationship with Towie star Mark Wright
PA Media
An image collage containing 1 images, Image 1 shows Black and white photo of adult hands holding a newborn baby's hand
Mark and Michelle welcomed a baby in March 2025
Instagram
An image collage containing 1 images, Image 1 shows Max George and Maisie Smith at The Stage Debut Awards 2023
The Wanted star Max George is currently dating Maisie Smith
Getty Images

Max George (2010-2012)

Michelle started dating The Wanted star, Max George, in 2010.

Shortly after they started seeing each other, Max went public with their relationship in New! Magazine. 

He said: “She’s a funny girl — and I love her accent too… it’s early days though.””

Max proposed in June 2011, but the pair called off their engagement in January 2012, putting an end to their planned £250,000 wedding. 

Speaking to The Sun about the breakup, Max said: “I had a real problem with drinking too much and that was, without doubt, the downfall of our relationship. 

“I was drinking more to forget the fact I was with someone who wasn’t making me that happy. Michelle is seen as Britain’s Sweetheart nowadays; I understand it might have looked as if there was something to hide, but there was no betrayal in terms of cheating.”

He added, “I tried to kid myself it would work out OK, but the moment she said she didn’t want to be engaged anymore I know that something was wrong. 

“It was a whirlwind. 

“I don’t regret it because you shouldn’t regret anything you do. 

“You learn.”

Since breaking up with Michelle, Max has started dating EastEnders star Maisie Smith.

Mark Wright 2012-present

Michelle started dating Mark Wright in December 2012, almost a year after she called off her engagement with Max. 

Rumours about them dating swirled, as they were spotted at the same hotel in Dubai as well as kissing in a nightclub. 

They finally went public with their relationship in May 2013 at the British Soap Awards

That same year, Mark proposed to Michelle in Dubai.

They tied the knot in May 2015 in a lavish ceremony with 12ft trees lining the aisle.

The reception was held at a Tudor mansion named Hengrave Hall in Suffolk. 

Mark and Michelle became parents

On March 12, 2025, Michelle and Mark announced that they had welcomed their first child together.

In an adorable Instagram post, they revealed their baby’s unique name. 

Michelle wrote: “Together we have a new love to share… Our little girl, Palma Elizabeth Wright, 06.03.25.”

They chose the name Palma, because of their love for Mallorca which also served as the location of the couple’s pregnancy reveal photoshoot. 

A friend of the couple told The Sun: “Michelle and Mark went on a winter sun break in early November and chose to take the photograph there. 

“It was taken on an empty beach by a friend when they knew no one would spot them.

“Majorca is like a second home to them so it felt special for them to take that photograph there.”

Read More »

I redid the floor in my loo for £28 with a B&M buy – I’m obsessed with the results but it was no doddle

SHE wanted to transform her downstairs loo without having to shell out hundreds of pounds.

So Ashton decided to head to her local B&M, in search of the viral floor stickers she’d seen so many people gush about on social media.

Floor planks found unexpectedly in a store corner.
tiktok/@diy_av_home
Ashton headed to her local B&M in search of the viral floor stickers she could use to transform her downstairs loo[/caption]
Person installing new floor tiles in a bathroom.
tiktok/@diy_av_home
Once home, and with the original floor clean, she began to lay the stickers[/caption]
A person installing new wood-look flooring in a bathroom.
tiktok/@diy_av_home
And updated viewers with her progress in a video on TikTok[/caption]
Person sketching template on floor for bathroom renovation.
tiktok/@diy_av_home
While the process was hard to begin with, once she started using a template – as she’d seen so many others do – it became “sooo much easier”[/caption]

She hunted for the strips, which come in at £14 a pack, in the store, and “nearly gave up” when she couldn’t find them.

However, she came across the floor stickers “right in the corner” as she was about to leave, so picked up two packs.

Once home, she cleaned the floor in the toilet so that it was ready to go, and began sticking the wood-effect strips on.

“Had to start with the hardest bit going round the door frame,” Ashton said in a video on her TikTok page, admitting she quickly started “regretting” her decision to do the room transformation herself.

But she eventually “managed to get it all down”.

“I totally messed it up going round the toilet. And I wasn’t sure if I’d have enough to correct it,” she admitted.

“I only bought 2 packets thinking it would be more than enough!”

But when she took heed of what she’d heard from other TikTokers, the job became a lot easier.

“I don’t know why I didn’t listen to the other TikToks who tell you to make a template around difficult bits sooner,” she said.

“But I finally started doing it and it was sooo much easier!”

Ashton was then able to finish off the room, and said she couldn’t “believe how good these vinyl stickers look”.

“It looks like real wood!” she gushed.

“Definitely a learning curve and there was a few things I would do differently next time.

“But for now I’m well chuffed with this.

“Totally transforms the room!”

Eight Easy DIY Tips & Tricks

The ultimate guide for homeowners and renters:

She added in the caption: “This was actually a lot harder than I thought it would be.

“Love the final result though!”

“I really want to change the flooring in my toilet bought sticky tiles from B&Q but I’m too scared I will muck it up!” one person commented on the video.

To which Ashton replied: “Honestly. I felt the same way.

“The cutting around things was the hardest bit.

“Everything else was easy.

“Just make sure you make a template with paper before you cut around anything!”

“Does it peel off after you use it as I am looking for something like that in rented home,” someone else asked.

“Yes. I had to peel a bit off that I cut wrong and it was fine,” Ashton responded, adding that there was “no residue or anything”.

“I can’t guarantee how easy it will be to get off after it’s been stuck down for a while though,” she warned.

Bathroom floor with new vinyl flooring that looks like wood.
tiktok/@diy_av_home
She proudly showed off the room after finishing her budget makeover[/caption]
Stick-on tiles applied to a bathroom wall.
tiktok/@diy_av_home
She also bought these stick on tiles in B&M for the sink’s backsplash, but admitted they were less successful[/caption]

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Lewis Hamilton recreates amazing Ferrari scene from ‘Ferris Bueller’s Day Off’ as fans demand he wins an Oscar

LEWIS HAMILTON has left fans stunned after showing off his acting skills.

Ahead of Formula One’s Australian Grand Prix this Sunday, where Hamilton will become the 13th Briton to drive for Ferrari, the 40-year-old was able to fulfil “another dream”.

Lewis Hamilton in a light blue shirt.
Lewis Hamilton starred in an edited video from the movie Ferris Bueller’s Day Off
Lewis Hamilton and a young man facing each other.
Hamilton starred as a valet who takes a Ferrari for a joyride
Man in a white shirt driving a red convertible.
Hamilton’s skills saw fans call on him to win an Oscar
Man with surprised expression driving a red convertible.
He was seen with a face of excitement as the Ferrari flew through the air
Two men excitedly driving a red convertible.
Hamilton was joined in the scene by Oscar-winner Edward Norton
Lewis Hamilton waving at the F1 Grand Prix of Australia.
Rex
Hamilton will make his F1 debut for Ferrari at this weekend’s Australian Grand Prix[/caption]

Taking to social media, Hamilton shared a video from what he describes as “one of my favourite movies since I was a kid,” Ferris Bueller’s Day Off.

In line with his new employers, a scene with a Ferrari 250 GT California Spyder was seen playing, before Hamilton was remarkably seen edited into the footage.

The seven-time F1 world champion starred as a valet who takes the Ferrari for a joyride.

Hamilton steals the scene when making his appearance wearing a jumpsuit before appearing stunned when he is asked if he speaks English, to which he replies: “What country do you think this is?”

When he is asked to take care of the car, he says: “Hey, no problem. Trust me.”

He is then seen getting in the car and saying, “You fellas have nothing to worry about, I’m a professional,” before driving off.

The next scene shows him driving around to pick up his friend, who is later shown to be Oscar winner Edward Norton.

Hamilton and Norton are seen in the next scene flying through the air, with the former Mercedes and McLaren driver showing a wide-eyed enthusiasm while Norton appears more scared than anything.

Cheltenham Festival betting offers and free bets

The clip then cuts to black to show a quote from Hamilton highlighted in blue text reading: “For all the kids out there who dream the impossible.”

The video then ends with Hamilton and Norton returning the car before giddily shuffling backwards, with the final words of the scene saying: “We got to do this again sometime.”

Captioning the post, Hamilton said: “No better way to start the season than by fulfilling another dream.

Ferris Bueller’s Day Off has been one of my favourite movies since I was a kid. This is to pay homage to the iconic film and to celebrate my first season with Ferrari.

It definitely took a lot of cutting edge tech, production and planning to get right. Had to get the exact car too … it’s been a dream car since seeing the movie.

Shout out to the legendary @edwardnortonofficial for coming along for the ride 😂 This is the energy and excitement I’m bringing to the track this year. ANDIAMO !!

“Brought to you by @dawnapollofilms & Large Eyes. Special thanks to Paramount Pictures and everyone who helped make this happen.”

Dawn Apollo Films is a film and TV production company launched by Hamilton back in 2022, and is one of the teams behind the F1 movie coming out later this year starring Brad Pitt.

2025 Formula 1 season calendar.

Fans loved Hamilton’s role in the clip, and bemoaned the fact he had narrowly missed out on the date for Oscar season – doubtless because he would have swept the field.

One fan said: “And the Oscar (not Piastri) goes to.”

A second said: “We need to get this man in Fast and Furious.”

A third added: “Ok this is amazing.”

Another said: “The absolute best thing I’ve ever seen in my life.”

A fifth said: “The best thing on the internet.”

Hamilton has made no secret of his desire to eventually branch into acting when he retires from F1.

He currently has voice credits in the Pixar animated movie series Cars and Zoolander 2, while also starring in the popular video game, Fortnite and in Call of Duty: Infinite Warfare.

Hamilton was also asked to star in Tom Cruise‘s Top Gun: Maverick, but could not find a way to make it align with his schedule, admitting the decision “broke his heart”.

CHELTENHAM FESTIVAL 2025 LIVE: LATEST TIPS AND RESULTS FROM THE GREATEST SHOW ON TURF

F1 2025 grid

Here are the confirmed driver line ups for the F1 2025 season:

Red Bull: Max Verstappen and Liam Lawson

Ferrari: Charles Leclerc and Lewis Hamilton

Mercedes: George Russell and Kimi Antonelli

McLaren: Lando Norris and Oscar Piastri

Aston Martin: Fernando Alonso and Lance Stroll

Williams: Alex Albon and Carlos Sainz

Sauber: Nico Hulkenberg and Gabriel Bortoleto

Alpine: Pierre Gasly and Jack Doohan

RB: Yuki Tsunoda and Isack Hadjar

Haas: Ollie Bearman and Esteban Ocon

Illustration of 2025 F1 driver salaries, ranked by annual salary.

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Cheltenham Festival free bets: Get £20 racing bonus with talkSPORT BET

THE 2025 Cheltenham Festival is underway, and talkSPORT BET are celebrating in style!

Brand new talkSPORT BET customers who register an account and place a tenner on racing will be gifted a bumper £20 in free bets to spend on the greatest show on turf!

  • talkSPORT BET: Get £20 in free bets HERE*

How to claim..

talkSPORT BET offer

  1. Create your TalkSPORT BET account HERE*
  2. Opt in to this promotion via the Offers tab or Sign Up page
  3. Make your first deposit of £10 or more
  4. Place your first bet of £10 or more on any horse racing market at odds of 2/1 or greater
  5. On settlement of your qualifying bet, you will get a total of £20 in Free Bets!

talkSPORT BET: Get £20 in free bets HERE*

New to talkSPORT BET? Great, this offer is for you!

And it’s so simple to get.

Just register a brand new talkSPORT BET account and Opt in to this promotion via the Offers tab or Sign-Up page.

Make your first deposit of £10 or more and then place your first bet of £10 or more on any horse racing market at odds of 2/1 or greater.

Once that’s settled – win or lose – you will receive the following bonuses:

  • A £5 Horse Racing Free Bet
  • A £5 Horse Racing Free Bet – ACCA 3+ selections

And 24 hours after settlement of your qualifying bet, you will also get:

  • A £5 Horse Racing Free Bet
  • A £5 Horse Racing Free Bet – ACCA 3+ selections

Cheltenham Festival betting offers and free bets


*18+ New Customers Only. Opt-in and bet £10+ on horse racing at odds of 3.00+ within 7 days of registration. Get 4x£5 Free Bets for set markets, which expire in 7 days. Offer valid from 10:00 on 03/03/2025 until 17:00 on 14/03/2025. Scroll down for T&Cs. GambleAware.org. Please gamble responsibly.


Remember to gamble responsibly

A responsible gambler is someone who:

  • Establishes time and monetary limits before playing
  • Only gambles with money they can afford to lose
  • Never chase their losses
  • Doesn’t gamble if they’re upset, angry or depressed
  • Gamcare – gamcare.org.uk
  • GambleAware – GambleAware.org

Read our guide on responsible gambling practices.

For help with a gambling problem, call the National Gambling Helpline on 0808 8020 133 or go to gamstop.co.uk to be excluded from all UK-regulated gambling websites.

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Britain’s busiest motorway closing AGAIN for 2 days next weekend with thousands of drivers affected – check your journey

Heavy traffic on the M25 motorway.
Alamy Live News. 2J4G8NB Egham, Surrey, UK. 15th April, 2022. As predicted the M25 was already very busy mid morning today on Good Friday between junctions 13 (Staines) and 12 (Thorpe) as people head away on holiday over the Easter Bank Holiday Weekend. Credit: Maureen McLean/Alamy Live News This is an Alamy Live News image […]
Alamy

BRITAIN’S busiest motorway is set to close AGAIN next weekend leaving thousands of drivers affected.

The closures are on junction 10 of the M25, near Wisley in Surrey where the motorway meets the A3, and junction 11, near Woking, in both directions.

Heavy traffic on the M25 motorway.
Part of the M25 is set to close again next weekend
Alamy

Junction 10 is the busiest section of the M25, which sees more than 300,000 vehicles pass through each day.

The section was already closed last weekend from Friday, March 7 to Monday, March 10, causing travel chaos to thousands.

And now National Highways has warned drivers that it’s due to shut again and to expect delays.

The closures are part of a £317m improvement works to add extra lanes.

National Highways have said this set of M25 closures will be the final ones for this project.

Last year, National Highways closed part of the motorway three times as it undergoes the multi-million pound upgrade.

The infrastructure project began in 2022 but “extreme weather” has pushed back the expected completion date to spring 2026, said National Highways.

Some elements of the project have already been completed, including the new Wisley Lane and four gyratory bridges.

Landscaping has also been done and signs have been removed from the gantry.

Jonathan Wade, project manager, told BBC Radio Surrey the next closure was a “little bit more tricky” because it’s close to one of the new bridges.

He said: “There were lessons learned over the weekend, so we’re looking forward to doing that.

“We did see quite a lot of traffic so sincere apologies to those who were delayed.”

He also thanked local residents “who bore the brunt of a lot of the traffic”, and said: “We are aware that these things aren’t great and they do have an impact on people’s lives.”

After this final closure on this section of the motorway, the A3 will be closed northbound between junction 10 and the A245 at the Cobham roundabout between 11 and 14 April.

RAC spokesperson Alice Simpson said: “Without careful planning, drivers could face some really lengthy tailbacks.

“We expect diversion routes, especially along the A3, to become heavily congested.

“Those that do decide to drive on either weekend should prepare to spend much longer on the roads and make sure they have plenty of fuel or charge for their trips.”

The March 2024 closure was the first planned daytime shutdown of the M25 since it opened in 1986.

Aerial view of M25 motorway construction near Cobham.
Junction 10 is the busiest section of the M25 with thousands using it daily
Getty

Read More »

Who is Nicky Henderson’s wife Sophie and does he have any children?

NICKY Henderson is one of Britain’s leading horse trainers, known for winning the jump racing Champion Trainer trophy six times.

He is supported by his wife Sophie and fans are hoping to catch a glimpse of the couple at the Cheltenham Festival 2025.

An image collage containing 1 images, Image 1 shows Nicky Henderson with his family after receiving his OBE at Buckingham Palace
Sophie (centre-left) is the stepmother to Nicky Henderson’s three daughters
Getty
An image collage containing 1 images, Image 1 shows Trainer Nicky Henderson with his horse Impose Toi after a race
Nicky is a star horse trainer
Sportsfile

Who is Nicky Henderson’s wife Sophie?

Sophie married Nicky in January 2018, in an intimate wedding located in Loch Ericht, Scotland.

Only 50 guests were in attendance at the private ceremony.

Nicky had five winning horses at Kempton on the day of the wedding and was updated on the results during the ceremony.

Sophie lives with Nicky near Seven Barrows in Hungerford, where he has trained his horses since 1992.

Throughout his career, the horse trainer has enjoyed great success.

He is a six time champion trainer and has won two Cheltenham Gold Cups.

Nicky’s first marriage

Nicky’s marriage to Sophie was actually the second time he tied the knot.

He was previously married to Diana Henderson for 28 years until 2006.

Diana was the first woman to win a race under National Hunt rules and had a successful career of her own as a jockey.

She also competed in badminton horse trials, one of the most prestigious equestrian events, where she was a runner-up in 1977.

Nicky’s three daughters

Henderson has three daughters from his first marriage, named Camilla, Tessa and Sarah.

Camilla is an equestrian psychology specialist who has built up a big following online.

She spoke out in May 2024, after the racing community was rocked by three suicides.

The psychology expert posted: “It’s simply UNFATHOMABLE. Three to suicide. All friends.

“I hope the industry is supporting these individuals & making calls, visiting them, because they are now extremely vulnerable.

“Please everyone in this industry think about what we can all do to make better change to support

“Jockeys & stable staff,male & female.

“What infrastructures can we put in the racing yards, at the physio facilities, at the race courses, at home for them.

“Perhaps some support groups in Lambourn, Newmarket areas also, a space where lads can speak together about their struggles.”

Sarah followed in the footsteps of her father and works in National Hunt racing.

Cheltenham Festival 2025

Nicky will take part in the Cheltenham Festival 2025.

The thrilling races kick off on March 11 and there is an eye-watering total of £4,930,000 to be divided across 28 races.

ITV will be broadcasting the first five of seven main races at the festival. 

Fans can catch the remaining races on Racing TV.

Read More »

MAFS Australia fans urge Awhina to ‘move on’ as she’s left in tears over groom’s honest confession

MARRIED At First Sight Australia fans are desperate for Awhina to move on from husband Adrian after his honest confession.

Mum-of-one Awhina, 30, was brought to tears last night as Adrian told her he didn’t want to be with someone who already had kids.

Woman crying and covering her face.
Channel 4
MAFS Australia’s Awhina broke down in an argument with husband Adrian[/caption]
A woman appearing upset.
Channel 4
She grilled her husband Adrian over his comments about having kids[/caption]

The pair had a fraught conversation about whether or not he was ready to have a family in which he said: “I didn’t say I wanted somebody else’s kid.”

It didn’t sit well with Awhina, and she asked him to “stop using that language”.

She then said: “Because I’m a mum you’re not open to letting me in.”

He replied: “I said from the start having a kid is going to be a problem. It’s not a small issue to me, it’s a big issue. I didn’t lie, I didn’t hide it from you. I was open and honest.”

Awhina said she felt “angry, hurt and upset” before getting teary.

Justifying why he’s still on the programme, Adrian said that she ticked eight out of ten boxes, before reiterating that in an ideal world he’d experience fatherhood for the first time with someone who didn’t already have a child.

Viewers don’t think Awhina should entertain their relationship any longer and are convinced it’s destined to fail given their differing views to family life.

“Awhina move on,” wrote one on X. “Don’t get attached because he’s a twin and you’re a twin. That’s the only thing you have in common with the man. Adrian told you who he is. BELIEVE HIM!”

Others slammed the show for pairing them together, with one writing: “If someone told me that my child would ‘be a problem’ I’d be straight out of the door! Honesty or not, there’s no choice. Equally, they should NOT have matched them together!”

Another said: “This situation with Adrian and Awhina is all #MAFSAU fault. They should ( & prob did) ask people if, having a partner with a tiny human is ok? If they say No they are allowed that choice and should be paired with someone without. It’s hurting people for ratings and is not ok.

However, a producer did hint that Adrian hadn’t been completely truthful on his application, asking him: “What if I said I’ve seen your application?”

In last night’s episode, the couples were handed the keys to their own apartments so they could set up home together.

Elsewhere, Jacqui sobbed following a tense few days of living with her husband Ryan.

She got cross at him for leaving his shoes on while inside their apartment and it quickly escalated into a tearful meltdown.

Three reality show contestants on a couch; one woman is crying, and a man is looking at her.
Channel 4
Adrian denied cheating on Awhina though couldn’t help smirking[/caption]
Awhina and her groom from Married at First Sight Australia.
Nine
Adrian said Awhina ticks eight out of ten boxes[/caption]

“Can we please not have dirty feet on the couch?” she fumed at Ryan.

“Do you see the dirt here? Do you want to lick the dirt off your shoes?”

Jacqui could then be heard saying “I have no words”, before breaking down in uncontrollable tears.

Married At First Sight Australia Couples 2025

Lauren, 37, Business Owner, and Clint, 43, Pro Golfer

Eliot, 35, Business Owner, and Veronica, 32, Personal Trainer/Actor

Beth, 28, Salon Manager, and Teejay, 28, Business Development Manager

Jacqui, 29, Consultant, and Ryan, 36, Project Manager

Morena, 57, DJ/Fitness Instructor, and Tony, 53, Charter Captain

Rhi, 34, Account Manager, and Jeff, 39, Electrician

Ashleigh, 34, Dance Studio Owner, and Jake, 30, Teacher

Awhina, 30, Aged Care Worker, and Adrian, 30, E-Commerce Business Owner

Sierah, 31, Financial Associate Advisor, and Billy, 31, Plasterer

Jamie, 28, Account Manager, and Dave, 36, Builder

Katie, 37, CEO and Tim, 38, Primary School Teacher

Carina, 31, Digital Marketing Manager and Paul, 30, Wellness Advisor

Read More »

Why ‘GOLDEN HOUR’ isn’t just for photos – it could save you over £1,000

GETTING RICHER usually means putting in long hours at work, or cutting out treats you love.

But here our money expert reveals how just ONE hour can save you £1,240 – without leaving your sofa.

Woman in black blazer and "Retro Girl Club" t-shirt.
Kara Gammell shares her tips and tricks to help you manage your money
Portrait of a smiling woman wearing a dark green sweater.
Kara’s six tips could save you £1,240 a year on your bills

Often checking your credit report, haggling your phone bill or opening a savings account can be the last thing you want to do after a long day.

But Kara Gammell, 45, explains spending just one hour a week on each of these things can help you get on top of your money – and save you thousands of pounds a year.

She said: “Each week I set aside an hour to shop around for the best deals on household bills, like broadband or insurance, and to check my spending with my budget.”

Here, Kara, author of The Bargain Hunter – Easy hack and tips to save money every day, shares her six-week plan to help you manage your money better.

Week 1 – The 15-minute rule I always keep

When it comes to managing your money, getting started is often the hardest part, Kara said.

She uses the 15-minute rule to motivate herself to look at her finances.

“When it comes to tasks that you’re putting off, tell yourself: ‘Anyone can do 15 minutes’, then do it,” she said.

“15 minutes is a length of time that is not intimidating, and once you get going, chances are you will carry on even when you reach the time limit.”

If you are really struggling to get started then set a 15-minute timer on your phone.

Use this time to make a list of all the banks you have your current accounts and savings with. 

Check if there are any you have forgotten about.

More than £2.8billion is sat in lost investments, according to Gretel, a service which tracks down bank accounts.

Week 2 – Start with a budget

Kara suggests you should start by looking at your finances as a whole.

She said: “The first step for keeping my finances on track is to do a thorough audit of my spending by going through bank and credit card statements.”

Five tips to save money in just 15 minutes

IF you are very short of time then do not worry.

There are still things you can do to get in control of your finances in just 15 minutes or less.

  1. Opt for electronic statements. Online statements can save you time and help you keep on top of your spending. It takes just minutes to switch from paper to online statements but it could save you hours in the long run.
  2. Close an unnecessary bank account. It can be easy to loose track of all the current and savings accounts you have. Close any unnecessary accounts to simplify your finances.
  3. Log into your pension account. Four in five working-age adults do not know where their pension pots are, according to pension finder Raindrop. Look at your account now to see whether you are on track for a comfortable retirement.
  4. Check your interest rate. If you locked into a fixed-rate savings account more than a year ago then the chances are your interest has changed since then. Check what your interest rate is now and swap account if you can get a better return elsewhere.
  5. Use a budget spreadsheet. There are many online spreadsheets you can download that will help you to keep a track of your spending. Download one and input your monthly outgoings, regular spending and savings.

To do this she uses a money management app called Emma.

The app is free to download and combines information from your bank accounts and credit cards.

You can use it to track your spending and manage your subscriptions.

Once it is set up you can use the app to quickly check your bank or savings account balance.

Kara added: “It’s quick and easy to set up so it does not feel like an overwhelming task.

“The chances are you will find little bits of spending that could be sending your budget into the red.”

She recommends using the app to check for subscriptions you do not need.

You can save hundreds of pounds a year by cancelling these subscriptions.

Around one in ten people are currently paying for a subscription they do not use, according to Citizens Advice.

Of this group, 65% could save more than £132 a year for unnecessary subscriptions.

You should also check if there are any bills you may be able to switch and make a saving on.

Make a note of these to come back to next week.

Week 3 – Haggle, haggle, haggle

In week three focus on haggling to bring your bills down.

Make a list of every mobile and broadband deal you and your family have and how much you pay for each one.

Check if any of the contracts have already ended and make a note of when the others are due to renew.

Next use a comparison website such as Compare The Market or Uswitch to see how much you could save by swapping to a new provider.

I'm not loyal to insurers - I'm ready to walk

SANJAY AGGARWAL, from Cheshire, negotiates on everything from car insurance to holidays.

He says: “Saving money is important, but it’s also a matter of principle – and there’s a lot of satisfaction in getting a better price.”

Sanjay, 41, who is co-founder of spice retailer Spice Kitchen, saved around £100 a year on van insurance with Admiral after using a comparison site to find a better deal.

He explains: “I went back to Admiral and they lowered the price, so I renewed.

“I don’t have any loyalty for insurance companies any more and am always willing to walk away.”

If you are out of contract then call your mobile or broadband provider and ask them to match the deals you found elsewhere.

They may be able to offer a same-price deal, which could save you money and the hassle of switching to a new provider.

If they cannot match the deal then swap to the best deal you found using the comparison websites.

You could save up to £235 a year by switching broadband, TV and mobile providers, according to consumer group Which?.

Week 4 – Check your credit report

It can be hard to keep track of payments such as overdrafts, loans, credit cards, mobile phones and mortgages.

But failing to do so could leave you with more debt than you realise.

“It can be all too simple to find yourself in the dark about how much debt you have in total,” Kara said.

But this information is important as it forms your credit score.

This score is used by lenders to decide what interest rate they will give you on financial products including credit cards and loans.

It can even stop you from being accepted for a credit card in the first place.

You can get a credit report for free from websites such as Experian or Credit Karma.

Another option is to use an online tool to see all your account balances in one place.

The MoneySuperMarket’s Credit Score tool sends you a monthly credit report which can help you to check what your overall financial situation is.

The tool can also suggest ways to improve your credit score, which can help you secure the best interest rates.

This can help you save money in the long run as the interest rate you will be charged on any money you owe will be lower.

Week 5 – Supercharge your savings

This week you should focus on how to get the most out of your savings.

One way to do this is to set up your bank account to automatically put money aside for you.

Kara said: “Some bank accounts have a feature that rounds up spending to the nearest pound and adds the spare change into a savings account of your choice.”

I saved almost £1,000 using round ups

A SAVVY saver has managed to put aside over £1,000 with a savings challenge - and anyone can do it.

Jacqueline Poutney, 30, lives in Newcastle with her partner.

The teacher, originally from Watford, decided to set herself the challenge of putting money aside during the pandemic.

She has now managed to save a tidy sum after discovering the hack of savings challenges.

Jackie came across open banking app Plum and decided first to opt in for its weekly roundups.

It meant that when Jackie spent money, Plum automatically rounded up the amount and put the difference into a pot every Monday.

So a £2.50 spend would become £3, with 50p then going into her savings.

Since March 2020, Jackie has saved £990.55 through these roundups alone.

This, Jackie says, was all done without her noticing the money leaving her bank account.

Jackie said: “You don’t really feel it that much but once that [saving] balance tops up you don’t want to spend it.

“You don’t want to see the balance come down. The fact it was a challenge made me feel like I’ve got to rise something.”

For example, if you spend £14.50 on a train ticket then the money is rounded up to £15 and the extra 50p goes into your savings.

The average round up user saves £12.37 a week, according to Moneybox.

After a year that would add up to almost £650.

Check if your bank account has a round up feature and if not think about switching.

You could get a cash bonus worth up to £175 if you switch to a new bank.

Another option is to set up a standing order, which automatically takes money out of your bank account and pays it into your savings each month.

You can set this up so the money leaves your account the day after you are paid.

This way you are not tempted to spend it during the month.

Week 6 – Renew at the right time

In the final week you should focus on insurance and make sure you are prepared for when your car or home insurance is up for renewal.

The cost to renew your insurance can vary depending on how soon your current policy expires.

My expert tips to save on your car insurance

PERSONAL finance expert Kara Gammell shares her tips to save money on your car insurance.

If you can pay for your car insurance annually, it’s almost always cheaper than monthly payments.

When you pay for insurance monthly, you’re essentially taking out a loan from the insurer with interest, which can be around 30%.

It’s also worth considering increasing your voluntary excess.

Most policies include a voluntary and/or compulsory excess charge – the amount you pay before the insurer must cough up in the event of a claim.

If you’re prepared to increase this – and you could afford to pay it if you do need to make a claim – it can help to reduce your premium.

You can also cut costs by looking at your usage. Check how many miles you drive, and if you use your car only socially and/or for commuting, make sure that you are covered only for these uses.

If you are also covered for business use, your premium will be higher.

This is because insurers tend to consider drivers who organise their cover early as more responsible, Kara said.

This can mean they are offered more favourable premiums.

Taking out a new policy ahead of time can also help you to unlock additional discounts, which can also save you money.

The cheapest time to renew your car insurance is between 20 and 27 days before your current policy expires, according to MoneySuperMarket.

Timing your renewal right can help you save up to £231 on the cost of your car insurance.

Go through all of your insurance policies and make a note of when they are up for renewal in your calendar.

Set a reminder to search for a new deal 27 days before your current policy expires.

This gives you a week to shop around for a new deal.

Do you have a money problem that needs sorting? Get in touch by emailing [email protected].

Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories

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