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Which money habit do you wish you had started earlier in life?
From saving religiously to understanding your pension, some financial habits can transform your future — but most of us learn them later than we'd like. Which one do you wish you'd picked up sooner?
Put the items in your preferred order.
1
Paying into a pension from your first job
Starting pension contributions in your early twenties can make an enormous difference by retirement, yet most young workers in the UK prioritise take-home pay over future security. The longer your money sits in a pension, the harder it works for you.
2
Building an emergency fund
Having a financial buffer means a broken boiler or redundancy doesn't send you into debt spiralling. It sounds simple, but the discipline of setting money aside before spending it takes years for most people to develop.
3
Tracking every penny you spend
Budgeting apps like Monzo or a simple spreadsheet can reveal uncomfortable truths about your spending habits. Many people find that just watching their outgoings closely causes them to naturally spend less.
4
Avoiding lifestyle inflation with every pay rise
Every time your salary increases, it's tempting to upgrade your lifestyle to match — but keeping your expenses steady while banking the difference is how real wealth quietly builds. This habit is rare and powerful in equal measure.
5
Understanding your credit score early
In the UK, your credit score affects everything from mortgage rates to phone contracts, yet many people don't check or actively manage it until they've already made costly mistakes. Starting young means fewer nasty surprises when it really matters.
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