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For years, John Lowe's betselling money guide has helped thousands of people understand money, get to grips with the basics of budgeting and learn how to save cash in all areas of their lives. Whether you buy this book every year or you are looking for help for the first time, you can trust The Money Doctor to give you independent, straight-talking, experienced advice. Reasons to turn to The Money Doctor 2013: * Packed with insider tips to save and make you money. * Learn how to develop your own 'money plan' - the only way to make your financial dreams come true. * Full of practical solutions to every conceivable financial issue, including your financial rights and how to assert them. * It's bang up to date, including Budget 2013 and updates from the past year throughout the book. * A new chapter on personal insolvency, bankruptcy and the Mortgage Arrears Resolution Process (MARP) - understand your entitlements. * Includes the Money Doctor's 5 Tips for the Top - what's hot in finance.