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What Every UK Graduate Should Do With Their First £5 –10k Savings Graduating from university is an exciting milestone — you’ve finally completed years of study, you’re stepping into the working world, and for the first time, you might have a meaningful sum of money saved up. Whether you’ve been frugal with your student loan, landed your first graduate job, or received help from family, holding £5,000–£10,000 in your account feels like a golden opportunity. But here’s the big question: what should you actually do with that money? If you’re a graduate with your first savings pot, you’re already ahead of many people your age. The key now is to use that money wisely — not to let it slowly disappear into online shopping, takeaways, or impulse purchases. Instead, think of it as the seed for your long-term financial independence. In this post, we’ll break down practical, step-by-step strategies on how to use your first £5–£10k savings. From building an emergency fund to investing for the f...

  Emergency Funds Made Easy: Why You Need One and How to Build It Without Stress Life has a way of surprising you at the worst moments. One minute, everything feels steady, and the next, your car won’t start, you’re hit with a medical bill, or you find yourself without a paycheck. These moments are hard enough without also worrying about how you’ll pay for them. If you’ve ever lost sleep over an unexpected expense, you’re not alone. Yet, there’s a simple way to take charge of your financial future and sleep better at night: an emergency fund. This guide shows you how to create yours—no stress, no guilt, no fancy spreadsheets needed. What an Emergency Fund Really Means Counting the cash for a new project. Photo by Kaboompics.com An emergency fund is a stash of cash you set aside for unexpected expenses. It’s not for shopping sprees, impulse gadgets, or that vacation you’ve been eyeing. Emergencies are the things you can’t plan—a sudden job loss, a trip to the hospital, or your...