Centuries ago, life was simpler, you had a parent who guided you if you were lucky, or overprotected you a bit. When we finish school, we are soon thrust into the workforce, where people are often selfish and competitive. Our lives are occupied by difficult situations requiring us to draw upon little or no experience. There are dozens of decisions to make every day. Despite all of the financial problems you will face, we have attempted to address them in this book.




Everybody has their attitude to saving money. Many people save more than they spend, while others will spend their cash as soon as possible, without thinking about putting some aside for later. It's often easy to recognise these behavioural patterns in children.




Whether you consider yourself a spender or just someone who likes to use their hard-earned cash to treat themselves, it is crucial to know how to save money for when you'll really need it. Though your parents will make sure that you have all the essentials, there will be a day when you will have to look after yourself, so there's no better time to learn how to save than today!




It's not uncommon for people to change jobs throughout their lives. Most people will have many varied jobs because job security isn't that great in today's economy. Of course, you may find the ideal industry work, but even then, there's no guarantee you'll keep that job. So, whether you leave because of necessity or your own choice, it's well worth keeping the following financial tricks in mind.