Student debt, high rents and money-hungry social lives mean saving can be overlooked by millennials (right). But many of this group, defined as those born between 1980 and the early 2000s, have the ambition to save, whether for a holiday or a home deposit. By micro-saving or investing small amounts regularly, often with the help of technology, it is possible to ignite a rewarding savings habit. Civil service graduate trainee Amy Hindmarsh (left) is like many young people just starting out on the career ladder. But the London-based 23-year-old is determined to get into the savings habit. Meanwhile, Miles Canning (inset) recently decided to dip his toe into investing for the first time.

Will this year bring any good news for savers? Or will it be another horrible year? This is Money asks five experts whether rates will head higher next year, if big banks will continue to avoid the best buy tables, if easy-access rates will continue to crumble and what changes they would like to see to the savings world.

This year will be remembered by many as one of the strangest and most interesting in recent times with Brexit, Donald Trump and celebrity deaths dominating the news. It will also go down at This is Money HQ as the year in which we discovered Britain is a nation addicted to... coins and notes.

When inflation is higher than the interest rate you earn on your savings, the spending power of your nest egg goes down.

For years, HSBC branded itself as the world's local bank, perpetuating the belief among customers that it cared passionately about having a presence on the high street.

Fraudsters, using the twin forces of slippery spiel and wizardry of the internet, currently hold the upper hand, stealing money indiscriminately from victims. Alison Havercroft (pictured) recently discovered her elderly father was defrauded out of more than £20,000 after being persuaded to buy bogus shares and land in Bulgaria.

The payments industry is set for the most radical set of changes since the 1960s partly in a bid to stop the tide of fraud facing current account customers. It proposes a key new safeguard called 'confirmation of payee' which it believes will help prevent financial fraud.

Most savings rates fail to beat inflation which can make saving feel pointless. But turning a low-rate account into a chance to win a life-changing sum could be the perfect solution. We reveal the prize-linked savings accounts and if you get really lucky - as unlikely as that is - you could end up a millionaire.

For the residents of Lees in Greater Manchester Barclays' decision to close the local branch is a disaster. The nearest branch will be more than three miles away in Oldham. In Lees, the average broadband speed is two or three megabits per second (Mbps), compared to a UK average of 29 Mbps. As well as being painfully slow, the connection can cut out at any time.

Although cash Isas don't currently offer fantastic rates, it is still worthwhile opening one to shield money away from the taxman. Our savings correspondent Lee Boyce picks his five favourite cash Isas for savers in 2016 - essential reading to help you choose a top savings account for your money. This page is kept up-to-date throughout the year - bookmark it for the very latest developments.