Will Smart has a pretty secure home life where money's concerned. But it's never to early for him to start learning about good financial habits.

The teenager's own bills, such as his mobile phone, are paid for by his parents. This means they are unlikely to go unpaid as dad Terry and mum Sal opt to pay by Direct Debit!

Says Will, "Being a teenager is a pretty expensive business these days. My phone is vital and I need broadband at home for my studies. I'm a member of lots of sports clubs and if there's a trip or event at school, I'm not the type to miss out."

Fortunately Will has a paper round, which helps him to afford some of his essential luxuries like iPod downloads and trainers.