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The business mobile market is likely to grow as employees begin to rely on devices for a growing number of applications, according to experts.

Research by Quocirca shows smaller firms in particular are in need of improved corporate mobile phone contracts.

The study showed more than one third of small to medium businesses (SMBs) find using their work mobiles a problematic experience.

But this still remains the most popular form of corporate communication, with even firms with landline contracts often preferring to use business mobiles.

Mark Keenan, general manager for RadioFrame Networks in Europe the Middle East and Africa, says corporate mobile deals will become more prominent as workers come to rely on devices for a growing number of software programmes.

He said: "The research shows that while interest in new kinds of mobile services is high, good quality voice services and at the right price is what really matters to SMBs today."

The computer magazine PC World recently published an article which said the appearance of phones could soon change as designers adopt more imaginative designs.

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The Consumer Credit Counselling Service (CCCS) is advising Britons to make an annual budget to plan ahead for their spending.

Frances Walker from the CCCS is recommending consumers to calculate their annual budget to calculate their monthly repayment.  Walker suggests that if monthly outgoings are over 20% of people’s income they should look at how to optimise their budget.

Debt consolidation may be a good way of reducing monthly repayments and ease consumers’ budget.

Credit Action estimates that UK’ debt totalled £1,4000billion.

According to the Department for Work and Pensions (DWP) over spending Britons need to think ahead for their longer term financial plans.   The DWP has said that a lack of financial planning for expensive periods such as Christmas and festive overspending often leads to financial shortfalls.  As a consequence, some households are left struggling to pay bills.

More than 50% of Britons overspend at Christmas, with people in the North-East, North-West and Wales suffering the largest financial hangovers. Susan Clark of Job Centre Plus said:

“Struggling to pay the bills after Christmas is a situation that many people find themselves in and can be very stressful.”

One way of managing overspending may be to consolidate existing debts into one loan.

Dogs are expensive and a financial commitment owners should be prepared for. Tesco Pet Insurance believe that 5.2million dog owners need to better manage their finances in order to handle the cost of their dogs.  According to the insurance provider just 12% of owners insure their dogs against potentially large vet bills. This is despite 38% of pet owners polled by Mintel stating that they felt they could not afford veterinary treatment for their animal. Allan Burn of Tesco Pet Insurance said:

“The price for treating an uninsured dog can be hefty, with the incidence of such lack of preparation saddening.”

Tesco Pet Insurance is offering discounts of 20% to customers who buy online and 10% to those who buy over the phone. According to the company this will help those pet owners who believe veterinary bills may be beyond their means.