RE: Savings @I Like Heckling
Even if you have savings, the amount of interest you get on £9,000 at the moment is a no more than a few pounds a year
If you just stick the money in a bank / building society, then that's true, but there are plenty of other ways you can save with much better returns. I put a modest amount into a managed savings fund each month, and I'm getting returns of c.10% per 6 months. It's not a high-risk investment vehicle, and offers money back out on request (no notice period).
The moral of the story - shop around and/or find a decent IFA who will help you to manage your savings.