How does debt start?

Even though you work and bring in a regular salary, there’s still a risk of falling into debt. And with many of us just earning enough to keep our head above water, a big expense can be a shock to the bank account.

When you enter the working world full time, you need to start thinking about how to manage your money. If you know where it’s going, it’s easier to spot the places where you can make savings. We offer advice on how to be financially savvy without being frugal on your social life.

But what if your social life has already taken its toll on your finances? If you suffer from dependency on alcohol, drugs, gambling or even shopping, it will affect much more than just your bank account. Find out where to get professional help, firstly to regain control of your life and then to get back into the black.

And if you’re considering getting married, moving in with your partner or starting a family, it’s definitely time to take a serious look at your finances. We give you some food for thought on how money ties in with your relationship.