Every penny counts - check that none of yours are missing

In times like these, it's worth making sure you know where all of your money is. Tim Bennett explains how to find any dormant bank accounts, lost shares or pensions, and recover the money. Plus, what to do with your unwanted Christmas gifts.

Happy New Year!

Such as it is. The Icelandic weather isn't helping to lift spirits and neither is Britain's increasingly Icelandic-looking economy. Retailers continue to fail apace Wedgwood was the latest and consultancy Experian expects 1,400 more to disappear soon.

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Tim graduated with a history degree from Cambridge University in 1989 and, after a year of travelling, joined the financial services firm Ernst and Young in 1990, qualifying as a chartered accountant in 1994.

He then moved into financial markets training, designing and running a variety of courses at graduate level and beyond for a range of organisations including the Securities and Investment Institute and UBS. He joined MoneyWeek in 2007.