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You’re the type that’s unashamedly old school

Disclaimer: The contents of this article are for general information purposes only and do not constitute financial advice. If you’re in any doubt about your finances, you should seek financial advice. The views and opinions expressed by Dr Oliver are those of the author and do not necessarily reflect the views or opinions of first direct.

You like to stick to the tried and tested way, and you’ve got a great little nest egg to show for it. You expect a lot from your bank – after all, you’re trusting them to look after your hard-earned money. Finances are serious business, so talking to a knowledgeable human being, or doing some research before you make any big financial decisions is what you prefer to do.

You’re financially cautious, and not big on short-term borrowing. You’re often described as the dependable, responsible one - the one everyone turns to for advice. But it did get a bit awkward that time your school friend asked you about your savings...