• Decide what you really want, and focus on your most important goals.

• Start saving now: you can start small and increase your savings gradually (they’ll grow with interest, too).

• Always check the facts: ask questions and get professional advice. If you aren’t comfortable or don’t understand, don’t go ahead.

Throughout this website we have used tables to work out budgets and so on. Copy them and add your own details to see how our suggestions might work for you.