Here are some tips from Scottish Widows on how people can build up their future savings (apart from workplace pension saving):

:: Make it part of your family routine to review your long-term savings together.

:: Add up your regular outgoings such as mortgage, rent, grocery bills, family outings and make a budget.

The free Money Advice Service has budgeting tools and calculators available at www.moneyadviceservice.org.uk

:: Get into a regular savings habit and use your Isa allowance, with its tax advantages. You can save up to £15,240 during this tax year into an Isa.

:: Build up separate long-term and short-term savings pots. Having a regular instant access savings account as well as an Isa can help to stop you dipping into money saved up for a longer-term goal. If you are saving for a family holiday, keep the money separate from your long-term future savings - it could be too tempting to dip into your hard-earned funds.

:: Discuss pension savings with your partner. If your partner is working and enrolled in a company pension scheme, it is worth checking if that includes partner provision. Pension arrangements for partners can be complicated, especially in the cases of divorce or death, so it is important to know what you are entitled to and what you can be doing together to save for retirement.