So if you want to save money and have a more versatile way of communicating, take your tablet, get a local SIM card and enjoy your travels, knowing that you will not get a large phone bill when you get home.

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There is nothing that prompts you more into action than seeing how much you owe on your credit card or knowing there is a big mortgage or insurance bill that is just a few weeks away.

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The 33-year-old McLean, who is based in Cape Town, made the most of his advantage of knowing the course to card seven birdies in a bogey-free round.

BBC: SPORT | Golf | Three share Dunhill lead

Knowing that a rental agreement is negotiable or that a credit-card charge can be disputed and feeling empowered to negotiate or to dispute is sometimes what a person needs to get to a better financial result.

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