where is education and training heading?

Where is education and training heading?

The world of education and work has changed so much in the last few decades.  When I was leaving school in the mid-Eighties options were quite limited.  Most people went directly to an apprenticeship or an entry-level job.  They may have attended a day release course at the local college along with their job.  Jobs like a hairdresser, joiner or car mechanic were the norm.  Some people did go to university but back then it was much more unusual, it was the exception rather than the norm.  If you did go to university it was either for a vocational course like medicine or you were just posh!

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Step by step guide to budget your finances

Step By Step Guide to Budget Your Finances

Personal finance is a subject not everyone takes seriously. Keeping your finances in check leads to better financial stability. When you have sufficient amount of money in your savings, you will have a safe nest on which you can rely on in case of unpredictable emergencies. Especially, for those who are married and have kids, financial planning becomes essential. You do not need a professional to take care of your personal finances. You can do a few things to save a lot of money which will come in handy in the long run. Creating a budget for personal finance is the first step to stabilize your financial position. This stepwise guide gives you an insight into creating a budget for your personal finances.

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Cheaper mortgage interest payments

  1. FIX THE RATE FOR A LONGER PERIOD

If you haven’t fixed your mortgage rate, MOVE IT NOW…. Banks and building societies start pulling their best deals as rate hikes loom.

Some three million people are paying their lender’s standard variable rate (SVR) — the rate to which a mortgage reverts at the end of a fixed deal — which currently averages 4.76 per cent.

Fixing your loan gives you the peace of mind that for two, five or even ten years, your repayments won’t change.

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