[Nippy]

I'm sure you won't consider this much help, but in my limited experience of fund management, the most important thing is to project your expenses and plan for eventualities.

Look at your regular payments (car, flat etc) and then look at how much you are payed. The balance you have then, you need to divide into leisure time money (concerts, occasional beer etc) and monies for food, and any other cost (i.e. gas, electric...)

I recommend what Ned says, put away some money every paycheck and make sure you don't touch it. Try a high-interest account to get back as much as possible, but only touch it if is absolutely necessary.

I hope this might help Thug...