Personal Banking

Sorry werewolf but was going to ask about this before read your thread about VAT (which is concerning, scarey), hope you don't mind. I've never been good with figures or understanding interest rates etc. have tried looking online at the best deals/accounts for savings(not that have any, but maybe in future) n current accounts,ISA's, just get totally confused n give up Know especially in these difficult times folk will be looking into making whatever money they have work harder, budgeting etc. Is it worth getting a financial advisor from folks experience and can anyone please give any advice for a total dummy? Many thanks.