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Becoming an Instagram star is the go-to career choice for hipsters keen to share photos of food, fashion and travel.

Saving and investing isn’t just about earning interest or making money – having an easily accessible cash lump sum can help you cope with a whole multitude of unexpected events.

Lots of people talk about “making a budget” as a starter point to getting on top of your finances. But what does that actually mean?

Here’s how you can keep more of what you earn without breaking any rules.