1. Your car has broken down and it’s going to cost too much to repair. You’ve found a second hand car you are happy with at a local garage for £1,500. They offer a deal where you can spread the payments over 3 years; it’s a low interest rate at 15% and works out as £50 per month. What do you do?

2. Your cash flow isn’t great and a friend has said there are jobs going in a local pub as a KP (kitchen porter), washing up in the kitchen. You don’t like the sound of the work and it’ll only be about £100 a week.

3. It’s getting towards the end of the month and you’re down to the last £50 in your account. It’s your friend’s birthday that you’d completely forgotten about and he’s pestering you to go out on Saturday. He says he’ll lend you £50 and you can pay it back whenever.

4. You’ve got a letter from a well-known bank offering you £50 and a free £1,000 overdraft if you switch to their current account. What do you do?

5. You are struggling to find work. A mate suggests you do some admin work for a local charity – they can’t pay you, so you’ll need to work for free. It might lead to a job afterwards but it sounds a bit like slave labour.

6. One day you’re walking through town and someone stops you and asks you whether you have a credit card. You haven’t so they explain the benefits – cards accepted worldwide, don’t have to pay any interest as long as you pay back the amount within a month, it’ll help with your future credit ratings – it’s free to do and they can sign you up there and then, within a month you’ll have your card with £2000 to spend. You’re up for going on holidays to Spain in summer and this would be really handy.