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"...straightforward financial advice today, tomorrow and for your future..."

Leaving Education to Age 39


Your Past

A 38-year old in 2007 will have left school when we had 4 television channels, you could buy 10 sweets for 10 pence and PC meant Police Constable.

If we look at your parents at that time, between earnings of £15,400 and £38,100, they had SIX rates of income tax, with the lowest at 30% and the highest at 60%.

If they needed to borrow money to purchase their house, interest rates were at worst 16% and at best 7.38%. Between July 1980 and October 1990, the Bank of England changed rates 118 times, which is an average of 11.8 times a year, nearly every month.


Your Present

The irony at this stage of your working life is that you are probably your most eager, driven and valuable to an employer, as well as the most risky (due to chasing new careers) and costly (duvet days and long weekends).

The early years are also your most expensive (house, car, marriage, holidays, fashion, the list goes on) and somewhere in all of your outgoings, you know that you need to save.

If you start a family, you are probably going to lose one income for at least 6-months to a year, and potentially one of you is likely to return to work part-time. Whatever option you take, childcare costs rise with increased working hours and after year one any pre-nursery fees need to be accounted.



The economy will change throughout your working life and these changes will continue to affect your income and savings.

The economy during the 80's and early 90's was very volatile and much of the population shunned investing. However, I constantly listen too and read comment from people who wish they had bought properties and invested in the stock market back then, but didn't.

Starting as soon as you are able is no longer a good idea it is a necessity!