The complete list of all life-guiding messages for young people – click the titles for further information
Hindsight is when you look back on a situation and would do things differently knowing what you know now. Try looking at current problems as if you are looking with hindsight at them from the future – how would you solve it, what extra signs would you listen to and what advice would you give yourself?
Priority debts should be paid off first, not necessarily those with the highest rates: mortgage/secured loan/rent, tax, and utility bills.
The Citizens Advice service helps people resolve their legal, money and other problems by providing free, independent and confidential advice.
We are responsible for our actions – all of them. We are responsible for our thoughts and behaviour, whether deliberate or unintentional. A responsible person makes mistakes, but when they do, they take responsibility and make it right.
If you are unemployed and have too much time on your hands, try volunteering. Not only does it increase your skillset, it creates opportunity and makes you feel better about yourself.
Trying to control someone against their will is bullying. It can frequently have the opposite effect of that intended. Constantly trying to control someone creates an atmosphere of resentment and an unbalanced relationship.
Don’t sign up for anything until you know the full costs; make sure you will be able to afford them. This includes sign-up costs, ongoing costs and exit costs.
When buying a car, you need to study the service history, take a test drive, and know all the upcoming costs up front. Take an experienced friend to ask questions.
Alcohol burns off at a precise rate. Despite what many people believe, there is no way to speed up this process. Coffee may make you more alert, but it will not get rid of the alcohol that is still in your body.
Chlamydia is a sexually transmitted infection caused by a tiny bacterium, Chlamydia trachomatis. If left untreated by antibiotics it can have serious complications.