paid a miserly 0.55% interest.

平均 0.55% 的利息

So while it's wise to keep some cash savings handy for emergencies,

的確，是應該在銀行帳戶裡放一些現金以備不時之需

could you make your money work harder by using it in a different way?

但你能夠用其他方式讓你的錢發揮更多價值嗎？

When's the last time you agreed a new deal?

你上一次簽約是什麼時候？

Low interest rates means tempting deals are available, and you could save thousands a year

低利率代表的是會有許多誘人的約，而你一年可以省下好幾千塊（英鎊）

by switching.

只要你懂得轉換

If you're on a tracker mortgage, today's cut might make your monthly repayment slightly smaller,

如果你有追蹤抵押貸款，今天的降息可能會讓你的月領利息變少

but many borrowers on their lender's floating rate will not see any cut passed on.

但是許多以浮動利率借錢的人並不會感受到任何的差別

And could you overpay your mortgage?

你可以多付貸款嗎？

Your lender will tell you if your overpayments are allowed on your loan,

你的借貸者會告訴你你的借貸是否允許超額給付

and online calculators show you how much you could save in interest repayments.

線上計算機也會顯示你的還款利息可以幫你省下多少錢

If you've got a company pension,

如果你有公司的退休金

it could make sense to pay more in every month.

每一個月多付一點可能是有道理的

This is called an additional voluntary contribution, or AVC.

這叫做職工自願附加分擔退休金

Some generous employers might match your overpayments - ask your HR department.

某些大方的雇主可能可以給你足夠的超額給付 - 問問你的人資部門

But even if they don't, you will still benefit from tax relief at your marginal rate,

但即使他們不行，你仍然可以以邊際稅率得到稅收減免

but higher earners should be wary of busting annual and lifetime savings limits.

但是所得較高的人就必須小心不要超過每年以及終生儲蓄的限制

The tax efficient savings accounts are still mainly used for cash savings, despite rock bottom interest rates.

大部分的節稅儲蓄帳戶仍然是被用來做現金儲蓄，即使利率已經低到不能再低了

The stocks and shares ISA gives much more scope for growth in the medium-term and is dead-easy to set up.

股票和股份 ISA 在中期較容易成長，並且非常容易申請

From next April, you can pay in up to 20,000 pounds a year.

明年四月起，你每年可以多付 20,000 英鎊

To read more about how to make the most of your money, go to ft.com/money.

想瞭解更多怎麼利用你的錢嗎？來我們的網站：ft.com/money