Climbing Ladders and Carving Niches

You’ve enjoyed a few promotions and, hopefully, a few pay rises too, and you’ve upgraded from eating beans to eating out a few nights a week.

You still love to club hop but you also enjoy a quiet night on the couch – particularly when you’re loved up. While some people use this time to start serious saving, others find they simply live to their new means by squandering their extra cash on clothes, music downloads, personal trainers, cars, holidays, a bigger flat… While it’s important to enjoy life, it pays to have some limitations so you’re prepared for rainy days.

What you need to know:
  • How to start a long-term savings plan
  • How to invest
  • How to maximise tax returns
  • How to get properly insured
  • How to create a good debt repayment plan

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