With each of us spending on average more than £500 per annum on green and environmentally friendly products, the government is keen to ensure that we have no problems understand the plethora of green labels and logos.

Unsurprisingly not every green product is quite as "green" as it may seem, so the Department of Environment, Food and Rural Affairs (Defra) has produced a consumer guide to explain the main types of environmental labels we are likely to find.

If you have poor credit or are bankrupt then you will struggle to get access to mainstream banking services. Most major banks offer basic banking facilities that will allow you to have your salary paid in, operate direct debits, access your cash through a machine and some will provide a debit card.

We've spotted some so-called advice sites charging up to £149 for this information. Read on and you can have it for free.