Nearly half of UK households say that they would struggle to cope if their monthly outgoings rose by £99. We look at how you can create some financial 'breathing space' to help you out if you lose your job or become ill.
'More firms' breaching data rules

The number of warning notices served to companies for data security lapses increased by 48 per cent in the last 12 months, the ICO has said
Increasing numbers of businesses are breaching staff data rules, with hefty fines for those who allow private information to be accessed easily, figures have shown.
The Information Commissioner's Office (ICO) issued 68 warning notices for data security lapses in the year to June 3 - up 48% from 46 the previous year, according to the study.
The ICO has also increased its use of fines, issuing 15 fines worth £1.8 million in the last 12 months, compared with just six fines worth £431,000 in the previous year.
Analysts with Syscap - an independent funder to the education sector - say that while the majority of fines have been against public bodies, the ICO is also increasingly taking action against private organisations that lose data.
With the ICO cracking down, small businesses in particular are at risk, as they often lack the appropriate safeguards to properly monitor and track their ICT equipment, researchers say, leaving them more open to fines when data is lost.
Syscap chief executive Philip White said: "Small businesses are increasingly falling foul of the ICO. It's clear that the ICO is starting to take a much more proactive stance in penalising data lapses, so this is something that business owners need to take very seriously.
"Businesses need to make sure that the correct safeguards are in place in order to secure their data, or they could be at risk of hefty fines in the near future."
However the largest fines issued by the ICO in recent months relate to authorities. Earlier this month Torbay Care Trust was hit with a £175,000 penalty after sensitive personal information relating to nearly 1,400 staff was published on the Devon authority's website. The trust said it had subsequently made improvements to its security.
In June, Belfast Health and Social Care Trust was fined £225,000 for compromising the security of sensitive personal data, while Brighton and Sussex University Hospitals NHS Trust was fined £325,000 following the discovery of highly sensitive personal data belonging to tens of thousands of patients and staff on hard drives sold online.
The ICO recently launched a best practice guide on how small businesses could keep their data secure.
related stories on msn
latest money videos
more on msn money


Avoid these mistakes if you want to lead a richer life!

Save regularly to nab a leading easy access ISA rate from Newcastle Building Society and the chance to earn up to £1,000 cashback.

Barclaycard is now offering a record 27 interest-free months to pay off your debts.

The taxman says three and a half million people are due a refund, but two million will have to fork out for underpaid tax.

Fed up with low savings rates and high borrowing rates? As Dave Fishwick and his Bank of Dave has demonstrated, there are other options out there.

If you want to find a unique property bargain, there is plenty of help available online - you just need to know where to look.

US couple have found an innovative solution to the problem of sky-high house prices.

The two banks have now joined the Post Office's banking network, meaning customers can make withdrawals and deposits at branches around the UK.

Get 5p off per litre of fuel at Shell, broadband from £2 a month and more in our latest discount and freebie round-up.

Lifestyling is supposed to mean that your pension pot becomes more secure the nearer you get to retirement. Yet your pension provider might be switching you to overpriced and therefore riskier investments.

If you want to borrow a larger sum of money and repay it over time, a conventional personal loan is not always your best option.



