Everyone likes the idea of saving money. It's where to start that is the problem. Which savings schemes to choose from, assessing the risk and volatility of various equity-linked products - it's enough to make you want to spend all your money instead.

A new guide by Steve Lodge, personal finance editor on the Independent on Sunday, can help you make those difficult decisions. It takes savers through the many options available. It also briefly discusses retirement planning. The guide, sponsored by Wesleyan Financial Services, the mutual insurance company, is available free by calling 0800 1879749. Or fill in the coupon above.