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Which profile fits you best?
Are you in the early stages of your working life? You may have paid as little attention as possible to the subject of personal finance so far, but the importance of your financial arrangements will inevitably become more and more apparent.
You are earning a decent wage and living life to the full. You rent a trendy flat and are just starting to think about buying your own place one day. In the meantime, investing in a buy-to-let property somewhere reasonable appeals to you. You have no dependents and enough disposable income to enjoy exotic...
You have bitten the bullet and settled down in your own home, possibly with a spouse or partner, maybe with a child. Your finances will never be the same again! You now have long-term commitments, and it's vital that you structure your finances properly.
Many of us find ourselves at points in our lives where our finances can get a bit complicated. The end of a serious relationship can involve the unpicking of joint finances and sometimes a renegotiation of commitments going forward.
You may be at or near the peak of your earning capacity - but the chances are that your outgoings are also very high, given your current family commitments, and your desire to provide for the future.
Your children have left home physically - but may well be at least partially financially dependent on you for some years to come. But now their day to day care is out of your hands, your own parents may need looking after.
Now you are out of the rat race, you have time to enjoy the fruits of your labour. But as life gets increasingly expensive, it's more important than ever that you manage your money as carefully as possible to make the most of the wealth you have spent years accumulating.
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