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

Don’t ever start smoking

To invest more for my retirement, to pay my mortgage off ASAP and to to make sure I have enough savings so I can travel and see the world!

Remember to love, listen and live.
Remember to earn, try hard and give.
Try new things and learn every day
Time is money is not a cliché
But life is a journey
From beginning to end
To enjoy every moment
You do not have to spend.
Save a little – live a lot.

Its never too early to start saving - pensions, easy access accounts, ISAs, stocks and shares. Avoid frittering your hard earned cash on life’s little luxuries. They can wait until you are more financial settled. Then life can be truly more rewarding if you are less likely to worry about money.

to invest in the future and keep only 20 percent of what you make for the now

I woud tell my self to engage brain before mouth and think before I speak, So I could have made more of myself in life and stretch my self more.

I think I sometimes would have said work hard at your studies and go to University, then travel a bit before settling down, but I actually did those things, just in a different order and am not sorry!
I would say save as well as spend, but I did that, but perhaps not as much as I should have!
Most importantly, I would say to myself, "have more confidence in yourself".

Being "persuaded" not to state legally that the 50 percent deposit for my first house was my inheritance and having my ex fritter it away without my knowledgewhen we sold the house and moved into a house rent free owned by my parents. ?

Suppress your better nature and accept the marriage proposal delivered by that besotted young man in Shepherds Bush. Yes, that one, the one who wanted to whisk you off to that half-an-island in the Caribbean that his family owned. Sure, you'd have been quite right about the marriage not lasting - but at the very least you'd have ended up with a great tan!

Save a little, spend a little, love lots

You probably look the best you are going to : enjoy it! No one sees the few pounds you think you need to lose and you have youth on your side. Reading is never wasted, whatever the content. Be kind.

Tell more people to get lost.

I would have told myself to care more about my education and what I could achieve myself instead of with someone else.

Don't take life too seriously, enjoy it as much as you can as you're only young once

I would have like to have got a better career, A job where I could have worked my way up the ladder instead of doing the same job every single day. I have encouraged both my children to have a career that they enjoy and to do as much training as they can for different things because that way they will not get bored . which they have are still are doing, only wish that I had.

I would advise my younger self to focus more on getting a better education and some decent qualifications, which in turn may have led to a better-paid, more secure career in a field I would've enjoyed working in- it certainly would've given me more choices. I would tell myself not to worry so much about going out and wasting money, but to always work and put a set amount or a percentage of my earnings into savings. I would also have said to use those savings to buy investment properties so that I could've been sitting pretty by now! With the benefit of hindsight I would also snap up a few items that would be worth a lot more 20-40years down the line. I would tell myself to wait a bit longer before having children, to meet my current (long-term) partner earlier, and to not bother with most of my ex-boyfriends! I would remind myself not to spend so much time in footwear that hurt, to take better care of myself and not to ever even start smoking. I would pay for a funeral plan, put money in savings for grandchildren, learn to sew and read even more than I did.

Stick with education and make better choices as far as work is concerned. Be more confident in your ability and plan for your old age. Because life goes by in a flash.

I wish I had taken more care of my health so I could enjoy my old age without the difficulties I am experiencing because of self neglect and ignorance.

Don't worry about what others are thinking, spend your time making memories.

If you can’t change the outcome of something don’t waste time worrying about it

I definitely wish Id gone to university earlier, trying to study when you have so many other commitments is difficult.

Think it's bad now, it only gets worse..

I would have suggested I start saving for my future teeth as mine are cracking and I have just had a quote for 7500 for 3 implants.

Do what makes you happy, stop worrying what other people think about you. When I was younger I was so wrapped up in doing the right thing and thinking of everyone else I often forgot to think about what I wanted to do and what made me happy. Be brave, work hard and be kind to yourself as well as others. After all, your happiness is important too.

Treasure and spend quality time with your children and family as you will reap the benefits when they grow up. What goes in is what will come out, so be careful set a good role role as well as been a parent with integrity, who loves and cares for their children and family. Your child first five years is crucial in making him/ her the person you want them to be. They need you not the latest technology and designer wares.