“The warning signs are going off everywhere with Carly. She's having fun - and why shouldn't she at her age? - but her need to assess her situation couldn't come at a better time.”
“Budgets are not necessarily just about cutting back or saving money but just monitoring your money is important. This shouldn't stop him going out or buying clothes, say, but if Justin can put by a set amount each month to spend on these luxuries, he will be much less likely to overspend.”
“Time is of the essence. It is vital that if you have cash languishing in any account and have not made use of your ISA allowance, then you should do so immediately. What is the point of paying tax on your savings if you don't have to?”
