Running out of money sucks. Just ask an Icelandic banker. More realistically, ask anyone who’s woken up in a taxi minus their wallet. Failing that, ask anyone whose card has been eaten by the cashpoint, or anyone who’s underestimated the price of that final round. We’ve all been there. And that’s why we all need the Cash Stash Keychain.

Simple but ludicrously smart, this unobtrusive little keyring-friendly doodah has been created to store emergency funds. Simply unscrew the capsule, wrap your note(s) around its internal stainless steel CashClip and hey presto – a secret stash of emergency cash. Assuming you don’t lose your keys you’ll never get caught short again.

Yes, we suppose you could stuff a score in your sock or shove a tenner where the sun don’t shine, but the Cash Stash Keychain is so much more convenient, not to mention hygienic. Plus we doubt your underwear is made of aircraft grade aluminium. And unless you’re reading this from the care home, it’s probably not waterproof either. Thankfully this sturdy little life-saver is both, so next time you fall into the sea from 39,000ft you’ll be able to buy your rescuers some nuts to go with their shandy.

At under a fiver, the inexplicably inexpensive Cash Stash (try saying that with a bellyload of beer and a pocketful of lint) is one of the greatest investments you’re ever likely to make. What’s more it makes a stonking gift, especially if you pop a bit of cash inside. If that’s too much of a stretch you can always shove in an IOU. Or a note explaining that you’re tighter than two coats of paint. Or a receipt for £4.99. Result!