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.
Teachers threaten strike action

The NUT and the NASUWT announced a 'historic agreement' in terms of possible co-ordinated strikes
The two biggest teachers' unions have threatened co-ordinated strikes in the autumn against Government "attacks" on jobs, pensions, workload and pay.
The National Union of Teachers (NUT) and the NASUWT announced a "historic agreement", in response to the serious concerns teachers have about the way the Government is "undermining" the education system.
The two unions, which represent 85% of teachers in England and Wales, said their members were facing attacks on their working conditions, workload, pensions, pay and jobs.
The unions said they intend to mount an "unprecedented" joint campaign on these issues.
"Should the Government refuse to take the current opportunity to negotiate sensible arrangements which protect teachers and defend education, then it is our intention to move to escalate industrial action, including jointly co-ordinated strike action and action short of strike action in the autumn," said a joint statement.
NASUWT general secretary Chris Keates said: "Since the Government came into office, there has been a relentless and unprecedented assault on teachers' pay and conditions of service. This assault on teachers is damaging standards of education.
"Our two unions, which represent the overwhelming majority of the teaching profession, are united in our determination to defend education by protecting teachers."
NUT general secretary Christine Blower said: "Occasionally saying we have the best generation of teachers we've ever had in no way compensates for the onslaught of attacks and threats to pay, pensions and working conditions."
The unions wrote to Education Secretary Michael Gove to seek urgent discussions about the "enormous threats" to teacher morale and the education system itself. They called on Mr Gove to reach agreement before the start of the next academic year if industrial action is to be averted.
Officials said teaching is now in "crisis", with growing numbers considering quitting and virtually everyone opposed to Government policies.
related stories on msn
Student Teacher on a recent radio programme said she was appalled at the standard of teaching she experienced when she was on placement in schools as part of her training.
Hope this means the new wave of teachers are going to be better than many currently in post.
So many are par excellence at "whingeing." Surely they must take some responsibiltiy for the poor results in too many schools.
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.




