Changing your attitude to think about your money in terms of what you do have as opposed to what you don’t is the key starting point to getting on top of your finances. If you have a job but are living beyond your means i.e. always broke, this is the first thing you must face, you are spending more than you earn, if you want to alleviate all the stress and worry that goes alongside this kind of lifestyle choice.

When you leave home, begin to stand on your feet and be independent it is important to be registered with a doctor and dentist should anything go wrong and you need help in an emergency. Don’t put off registering with both a GP and dentist, as dentists particularly are not obliged to offer emergency care to unregistered patients. If you are a student you can register with your new GP practise (term time) as a temporary resident and still be treated, as temporary resident by your regular physician when at home in the holidays.

A passport is not only essential when travelling anywhere by air (even within Great Britain) and of course when travelling by any means outside of GB but it is one of the few government issued photo identification documents that serves as proof of identity so having one is very useful when it comes to doing other things in the system like opening a bank account. It can be a little daunting applying for the first time however if you follow our simple steps you should have your first passport in no time.

The most expensive part of going on holiday is usually your accommodation, the reason why home swapping is becoming more and more popular. Of course if you share this is not possible unless everyone travels together. On most sites the way it works, you pay a fee to register your home and then are free to message other members all over the world. Have a look at Home Link and Home Exchange.

Make sure your CV is up to date without spelling mistakes. Keep your CV clean, to the point and dynamic, always sell yourself with confidence (See Writing an effective CV and CV template). Make sure you put your full contact details, including your email address on your cover letter in the top left of the letterhead.

When writing an effective CV it is important to remember this is a maximum 2 page document the purpose of which is to make you, the candidate, stand out from everyone else. What you say and how you present yourself is very important. You only get one shot to make an impression so make it count. Don’t lie and don’t waffle. Everything you write, ask yourself “Does that add to the picture of the person I’m describing”. The reader/prospective employer is only interested in facts delivered concisely, confidently, articulately and truthfully. Feel free to use this template or you can find many others online. Search CV template.

Getting your first car is a first milestone every young adult looks forward to, how to pay for it something every parent dreads. Getting a license is the first step, see our Simple step guide to getting a UK driving license but now you have your license and want to buy a car what should you do and how much is it going to cost?

Learning to drive is a valuable skill to have that gives you freedom and flexibility throughout your life. In UK, you are eligible to begin learning to drive a car on your 17th birthday. All vehicle licensing is handled by the DVLA. The address is Swansea, SA99 1AD. The telephone number is 0300 790 6801.

The format for a cover letter is flexible but it doesn’t need to be long and there are some things you must make sure you include. Getting a new job can be a daunting task particularly if you are shy, get nervous meeting new people or tongue lied in pressurised situations. It helps to remember anyone conducting an interview is tasked with finding someone to do the job in question so they are not looking to catch you out or make things difficult for you. It’s their job to sell themselves, the company and the job to you in order to attract and secure the best talent.

Most people who have spent any time living and working abroad have a wonderful, positive experience. It can be daunting being away from home and everything you know but travelling does broaden the mind and offers insight and experience you never get by staying put.

You have to be sixteen and a permanent UK resident to open a bank account in the UK. Most people chose a free current account which allows you pay bills, have wages, salary or benefits paid in and save. Some current account charge a fee for extra features so make sure you know what you are getting before making your final decision.

The Herbalist is the electrifying first novel from Niamh Boyce, winner of the 2012 Hennesssy XO Award for New Irish Writing. A beautiful and gripping story from 1930s rural Ireland, a time when women paid a terrible price for unmarried pregnancy, The Herbalist will appeal to fans of The Midwife's Daughter and The Outcast.

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The winner of the Waterstones Book of the year 2013 is a moving account of a young man falling in love with literature.

Authors, Clare Conville, Liz Hoggard and Sarh-Jane Lovett

Life-enhancing, packed with poetry and philosophical bon mots, Dangerous Women: The Guide to Modern Life draws on the experience of three dangerously knowledgeable women to offer practical but humourous advice, with an understanding of the finer art of living.

With over 600 entries, from 'Accepting a compliment' and 'Affairs' to 'Entering a covent', 'Family therapy', 'I don't', 'Teenagers' and 'Wolf-whistling', this is the perfect bedside companion for the modern woman.

Mothers, sisters, daughters and girlfriends are constantly asking themselves, and each other, questions about what it means to be a modern woman. Dangerous Women sparkles with the answers.

Alex and his sister run a business designed to break up relationships. They are hired by a rich man to break up the wedding of his daughter. The only problem is that they only have one week to do so.