Advice with the know-how and the know-when

Actions for your financial future
1. Create a budget to save more
Start by tracking your income and expenses to understand where your money is going, and where you can cut back.
This will help you build your savings for a rainy-day fund for any unseen circumstances.
2. Invest in the future
Investing your money can help you build towards your long-term financial wellbeing.
The earlier you start contributing to a workplace pension and / or personal pension, the longer your money has to grow.
3. Get advice from the experts
Knowledge is power. Take time to educate yourself on personal finance topics.
The more you know the more confident you'll feel about making decisions. Speak to a qualified financial adviser who can help build a plan and answer any questions you have.
The value of investments, and the income from them, can fall as well as rise. Investing for five or more years helps reduce the impact of market changes over time.
For more on how financial health affects personal happiness read the Schroders Personal Wealth Money and Mind Report 2025.
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