Just the concept of sticking £100/£1000 here and there into a an index tracker and leaving it well alone - ideally until a rainy day/emergency. There have been

Just the concept of sticking £100/£1000 here and there into a an index tracker and leaving it well alone - ideally until a rainy day/emergency. There have been plenty of times in my life I was 'cash rich' but I left my money in the bank, as I didn't know what to do with it. I used to then over pay my mortgage, which was crazy as I had a 1% interest rate and the stock market would have been a better place to put my cash. Don't get me wrong, I'm not a 'rich' man - but I've always put money aside (out of a fear/memory of being broke) I just could have worked that cash harder - and that was money that I could have taken some risk with.