You can buy financial products from many of the big supermarkets and store groups nowadays, and sometimes through charities. And while it's not quite as easy as dropping a product into your basket along with your milk and frozen peas, beginning the process is usually as easy as picking up a leaflet and calling or logging onto a website.

Pros

• You can buy from a brand you trust.
• You'll usually get a good deal in terms of rates.
• You may be able to talk to someone who will be able to explain the product and talk you through the features.

Cons

• The choice of product will be limited to what they offer and that may not be the best product for you.
• You'll have to trust your instincts, as you'll probably be buying without advice.

If you've done a lot of research and you're sure a product on offer is right for you, you may find it quicker and easier to buy this way.

Weigh up what you're buying and what it will cost. Buying a simple product like a savings account or a cash ISA is one thing, but for more complex products you may wish to get professional advice.

Usually, you'll be able to pick up a leaflet in store, or you may get something in the mail. How you actually buy will depend on the company and how they operate, but usually it will be over the phone, buy mail or on the internet.

Do your homework - make sure you know what you're buying before you sign.

Think ahead - make sure you're not won over by short term offers that are not so good in the long term.

Check-out - price isn't the only factor when you buy. Make sure that the company is reputable, the product meets your needs and it actually does what you bought it for.