Gransnet forums

Sponsored discussions

   Please note: This topic is for discussions paid for by Gransnet clients. If you'd like to have your own paid for discussion thread, please feel free to mail us at [email protected]. If you are a journalist, start-up or student and you want to request feedback from gransnetters, please post in Media Requests.

What advice would you give to your younger self? Share with Legal & General - NOW CLOSED

(624 Posts)
EllieGransnet (GNHQ) Mon 04-Feb-19 14:42:13

We’ve all been asked this question at some point. Our answers can vary from ‘I wish I’d taken more risks’ or ‘I would have stopped caring about what people think’, to ‘I wish I’d had more fun’ or ‘I wish I’d travelled the world more’. But if you really think about it, what practical advice would you have really benefited from when you were younger? What would you have told your younger self? What would you have done differently? A recent survey carried out across Mumsnet and Gransnet revealed that some Gransnet users consciously put off financial decisions. Is going further with your finances something you might have given more consideration to, with the benefit of hindsight? Whatever advice you’d like to give to your younger self, Legal & General would love to know.

Here’s what Legal & General have to say: “On our savings journey, a nudge in the right direction can make the world of difference when it comes to our financial futures. It’s starting off early, saving little and often over a longer period, that can really pay off*. Although it’s never too late to start saving, what tips and guidance would have motivated you to do more with your money and just get started?”

Would you have taken more risks when you were younger? Is there any information you wish you would have known back then, such as how to save into your pension, how to invest your money or even how to save your money from an earlier age? Would you like to tell your younger self to be more confident in the decisions you make? Or perhaps you wish you’d spent more time with friends and family?

Whatever the advice you would like to give to your younger self, post them on the thread below and everyone who does will be entered into a prize draw where one GNer will win a £300 voucher of their choice (from a list).*

Thanks and good luck with the prize draw
GNHQ

Standard Insight T&Cs Apply

*Open 4/02/19 to 25/02/19. To enter please post on the thread below. One entry per person. One prize to be won: £300 voucher of winner’s choice (from a list). Winner chosen by random draw performed by computer process.

*The value of your investments can fall as well as rise and any income from them is not guaranteed. Legal & General Unit Trust Managers Limited.

kittykomp Fri 08-Feb-19 20:20:15

just be yourself

wendybiv Fri 08-Feb-19 20:26:35

I wish I had followed my instincts and acted upon opportunities that presented themselves . . . my life could have been a lot easier!

CompGirl23 Fri 08-Feb-19 21:10:40

Grab every opportunity with both hands as life is too short to have regrets

Albangirl14 Fri 08-Feb-19 21:47:31

Build up a savings pot by not wasting money on eating out when you could take a sandwich and a drink with you.

cheekychicken24 Fri 08-Feb-19 21:48:14

Spend your cash on leisure and experiences, not stuff! I wish I'd spent more time & money on days out, nights out & holidays instead of making sure I had the latest outfit or a new car. I treasure my memories far more than the junk I've accumulated over the years.

Vhall254 Fri 08-Feb-19 22:12:27

Wear that bikini, nobody cares what you look like. Your children turn out fantastic so stop worrying and enjoy them. And please drink one less drink and save more for your future!

Minnibix Fri 08-Feb-19 22:36:44

1. Stop being so self-conscious, enjoy yourself
2. Enjoy your children, yes even the nights without sleep, all this will be gone too soon, they grow up fast
3. Start a pension as soon as you can, 65 is no time to start worrying about money

Alexleach66 Sat 09-Feb-19 09:07:15

To get into the habit of saving a little every month. I didn’t and then when illness hit there was nothing when the rainy day came....

marina66 Sat 09-Feb-19 09:50:18

Save for my pension earlier. Stand up for myself and not just agreed with everyone. Stayed single longer and not rushed into relationships. Save up and become more financially stable.

Macarw Sat 09-Feb-19 10:04:09

Accept every good invitation you are offered.

Tweety82 Sat 09-Feb-19 10:36:40

I'd tell myself to take it easy and there's absolutely no need to rush things or worry about things that can't be controlled. I'd tell myself save up instead of buying things that I later regret. Most of all I'd say....believe in yourself and don't let others bring you down became you can achieve anything

rexy0101 Sat 09-Feb-19 14:31:20

Carry on your education, don't take the first job available

cooljam37 Sat 09-Feb-19 14:35:11

Don't get into debt, if you can't afford it you can't have it right now!

Nicki68 Sat 09-Feb-19 15:16:32

I would have said whilst it's important to plan for the future you also need to build in the fact that you need to enjoy life while you can.

Don't be embarrassed using discount codes or discount/deal websites - if it means you can save and enjoy yourself at the same time why not!!

SuzC Sat 09-Feb-19 15:24:34

I'd have told my young self to have more confidence & courage - to be bolder & braver and not always take the safe route. Also to care less about pleasing people and only doing what I thought would make people happy. Getting older is quite liberating in this respect!

Financially, I'd have got on the property market earlier.

Elles28 Sat 09-Feb-19 17:29:35

Plan well ahead financially, when you're working you might have cash but little spare time, make sure that in retirement you have the cash to do whatever you like with all your free time.

Fflaurie Sat 09-Feb-19 17:52:44

Stop wanting the trend. Aim to be healthy, when you are healthy, you can live your life, earn your living and enjoy your time. Time is short. Be well.

happysouls Sat 09-Feb-19 18:38:13

Adjust to healthy eating, its actually really good and take up running....I know you don't believe it but it is amazing!

vickyplum Sat 09-Feb-19 18:50:37

Wear sunscreen every day!

cinabar Sat 09-Feb-19 22:01:23

Stop worrying so much, make the best decision you can based on the facts at the time and move on - don't waste time and effort on worrying about it.

sharon103 Sat 09-Feb-19 22:40:05

I would have told myself not to say things in anger that I didn't really mean and to say I love you to my mum and dad. They were the best parents in the world to us five children. I guess being born in 1914 and 1918 they weren't cuddly people and didn't show affection in that way but there's no doubt at all that we were all loved beyond compare. Mum before she died at 94 with dementia shown more affection and used to say 'I love ya' and I gave her cuddles and told her I loved her too. I never got to telling my dad. He died on his way home from visiting me of a heart attack at the age of 76. My biggest regret of all, I never told him 'I love you'. So yes, when I was young I would have said to myself, don't leave it too late to say I love you to the people in my life that I really love.

Lixxy Sat 09-Feb-19 23:49:27

Don’t live to try to please my mother....it never happened and it caused me such grief in the trying. Some people are never pleased however hard you try so just enjoy yourself and do your best but don’t waste time beating yourself up that you’re not good enough. Don’t worry about what other people think of you.

McGilchrist41 Sun 10-Feb-19 09:07:11

Not to have sold first house but to let it when moving in to first hotel management position where living in was compulsary at the time. Big mistake.

dragonfly63 Sun 10-Feb-19 09:40:41

I would tell myself to make more memories with my children. They had a great childhood and are both very happy and contented adults but when I remember back to one or two special days when I took them on the train to visit York and Stratford on Avon I regret that we didn’t do it more often.

Lindak Sun 10-Feb-19 09:57:18

I would have given my younger self the advice to not think to much about what other folk think of me.