Cash calendar - financial tips for July

Days out in the sunshine are often enjoyed in July but there are ways in which the pain of overspending can be avoided, an expert says.

The BBC News website asked the independent Money Advice Service to deliver a calendar of month-by-month tips for those trying to keep their personal finances in order.

Andy Webb, from the service, says simple preparation - such as making a picnic at home - can keep the cost of summer down.

Video Journalist: Kevin Peachey