Penny smart, pound wise. Look after the pence and the pounds will take care of themselves. The world, and maybe everybody's grandmother, is full of monetary advice on the aphoristic plane.

Well, it's time to get off the plane and put your feet on the ground. Smart thinking today will lead to good financial decisions somewhere down the line. Be realistic. Be logical. And above all, don't lie to yourself. Your financial future is in your hands.