This is Local London's partner in the world of personal finance is Lively Account - a virtual advisor on how best to use your hard-earned money.

With advice on topics as diverse as savings, credit, personal loans, insurance, pensions and investing in the stockmarket, there's almost no area of personal finance where Lively Account can't help you make the right decisions.

Lively Account, part of Moneynet, is an independent and impartial service which aims to to provide comprehensive information on the UK personal finance market. We do not operate from a restricted panel of product providers and, because we make no charge for inclusion of the product information you can be sure that you are gaining an overview of the market as a whole.

Remember, failing to consult Lively Account can seriously affect your wealth.