Some NHS waiting times may be bad now - but they look set to lengthen due to spending cuts.
Small and medium-sized district general hospitals and trusts with large private finance initiatives look the most vulnerable claims a new report from Monitor, the Independent Regulator of NHS Foundations Trusts. Front-line services look set to take a hit.
Of 20 small acute trusts, six are in significant breach says Monitor while just 14 out of 41 mental health foundation trusts are now regarded as at low financial risk. Monitor does say that, short-term, the sector's balance sheet looks positive. But it's the longer term picture that's more worrying.
"Monitor's review," says Chief Operating Officer, Stephen Hay, "suggests that an increasing number of individual trusts will face financial difficulties by the end of this period, with different issues affecting different trusts."
Back of the queue?
Previous targets of four hours to be treated in A&E - quite a wait for many in severe pain - and hospital treatment within 18 weeks if referred by a doctor now look threatened. The freeze in NHS spending planned for 2010−11 to 2014−15 would, if delivered, be the tightest four year period of NHS funding in fifty years claims the Nuffield Trust.
Hiking English NHS spending in line with national income between 2015–16 and 2021–22 would leave the NHS budget growing less quickly than what the Office for Budget Responsibility's analysis suggests may be needed to keep pace with an ageing population, says Nuffield.
Carl Emmerson, deputy director of the Institute for Fiscal Studies, agrees. The last decade, he says, "saw the NHS receive large increases in its funding but the outlook for the 2010s is in sharp contrast to this."
Not keeping pace
David Cameron, says Labour Shadow Health Secretary Andy Burnham, has cut the NHS budget for two years running "and we are now seeing the effects of this on the ground in the NHS. On his watch, we have seen the NHS lose nurses at a rate of 200 per month as hospital trusts make knee jerk cuts to the frontline."
"This explains why hospitals are under intense pressure with waiting lists rising and patients being forced to wait on trolleys."
10 of the biggest consumer rip-offs
NHS waiting times set to rise
Using a mobile phone to make and receive calls, send texts and browse the web while abroad can be extremely costly – especially if you are travelling outside the European Union (EU), where calls can cost up to 10 times as much as at home.
To avoid high charges, Carphone Warehouse suggests tourists ensure a data cap is in place, use applications to check data usage, turn off 'data roaming', avoid data-intensive applications such as Google Maps and YouTube and use wi-fi spots to update social networking sites.
Payment Protection Insurance (PPI) is supposed to help people to continue meeting their loan, mortgage or credit card repayments if they fall ill or lose their jobs. However, policies are often over-priced, riddled with exclusions and sold to people who could not make a claim if they needed to.
At one point, sale of this cover - which was often included automatically in loan repayments - was estimated to boost the banks' profits by up to £5 billion a year.
Now, though, consumers who were mis-sold PPI can fight back by complaining to the bank or lender concerned and taking their case to the Financial Ombudsman Service (08000 234567) should the response prove unsatisfactory.
It could be you, but let's face it, it probably won't be. In fact, buying a ticket for the Lotto only gives you a 1 in 13.9 million chance of winning the jackpot.
With odds like that, you would almost certainly be better off hanging on to your cash and saving it in a high-interest account.
No-frills airlines such as EasyJet may promote rock-bottom prices on their websites. But the overall fare you pay can be surprisingly high once extras such as luggage and credit card payment fees have been added - a process known as drip pricing.
Taking one piece of hold baggage on a return EasyJet flight, for example, adds close to £20 to the cost of your flight, while paying by credit card increases the price by a further £10.
It may therefore be worth comparing the total cost with that of a flight with a standard airline such as British Airways.
Cash advances, which include cash withdrawals, are generally charged at a much higher rate of interest than standard purchases.
While the average credit card interest rate is around 17%, a typical cash withdrawal of £500, for example, is charged at more than 26%.
What's more, as the interest accrues from the date of the transaction, rather than the next payment date, costs will mount up even if you clear your balance in full with your next payment.
Supermarkets such as Tesco and Asda often run promotions under which you can, for example, get three products for the price of two.
However, it is only worth taking advantage of these deals if you will actually use the products. Otherwise, you are simply buying for the sake of it, which is a waste of your hard-earned cash.
Buy a train ticket at the station on the day of travel and the price is likely to give you a shock - especially if you are travelling a long distance at a busy time of day.
However, you can cut the cost of train travel by 50% or more by going online and making the purchase beforehand - especially if you book 12 weeks in advance, which is when the cheapest tickets are on sale.
Other ways to reduce the price you pay include avoiding peak times and taking advantage of so-called carnet tickets, which allow you to buy, for example, 12 journeys for the price of 10.
Most High Street banks offer packaged accounts that come with monthly fees ranging from £6.50 up to as much as £40, with a typical account charging about £15 per month.
Various benefits, such as travel insurance and mobile phone insurance, are offered in return for this fee. But whether or not it is worth paying for them depends on your individual circumstances.