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My Life: Michael Heywood, 17, Rochdale

It surprises me that young people know so little about money.

I've just done a course called Barclays Money Skills "champions" that helps you budget, and I couldn't believe other students didn't have a clue about things like bank loans, overdrafts and standing orders.

Maybe it's because I've lived on my own since being 16 that I've picked this stuff up. I'm living with my girlfriend now and if she's got cash, she'll spend it. But I budget properly and make sure we have enough to cover the rent.

Food comes first and I shop around making sure I get fresh meat and vegetables. We've just got a couch and are saving up to buy other furniture.

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