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How to get your financial plan started
A plan can reward you in more ways than one
Financial planning is about more than getting your money in order. It’s about setting out a vision for your future and taking the steps to make it happen. It may feel like a challenge, especially when you’re starting out in your career, but financial freedom is a goal worth working towards.
Build a plan that’s right for you.
Prioritise what’s important
Financial planning encourages you to think seriously about what you want to achieve in life.
Feel in control of your money
When you think of your savings, investments, debts and pensions together, it can be easier to manage your finances.
Peace of mind
Having a plan that you check regularly means you are better prepared for life’s twists and turns.
Plan your way to success in five simple steps
Top tips when you’re starting out
When you’re setting out your financial plan, here are a few things that might help you:
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There is no time like the present to start saving. The sooner you start putting aside money and moving towards your financial goals, the better. But, it needs to work for you. Look at the saving options and see what would work for you.
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Think about setting up a Direct Debit or a standing order for a monthly payment directly into your savings account. If you time it for just after payday, you’ll hardly notice the money has moved.
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Hopefully you’ll never need to use it, but life can be full of ups and downs. Having an emergency fund to fall back on, in case you have an unexpected expense, could be helpful and give you some peace of mind.
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When it comes to your credit history, it’s good to know your score. Credit scores are important to understand. It can affect anything from your mortgage offer, to your mobile phone contract. Keep an eye on it and understand how it works.
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Investments can come with different levels of risk and their value can go down as well as up. These should be kept over the longer term to help smooth out any market fluctuations in their value. You should only invest what you can afford.
We have information to help you understand investments and see what could work for you.
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Money management
Whether it's budgeting and saving, or helping someone else, we have tips and tools to help you.
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