MoneyPlus FOMO? The 2019 articles you might have missed out on

MoneyPlus Features Team

We’re wrapping up 2019 with a few of your favourites from MoneyPlus.

You loved our articles about getting into good financial habits in your 20s and tracking down a lost pension or bank account. Remember too our real-life tales of saving, budgeting and getting out of generation rent… and the occasional spending confession for good measure.

5 ‘sparkling’ financial habits to get into

Have you got budgeting down to a ‘T’ and your savings sorted? The reality is many of us haven’t and would like to be that little bit better with money.

Which is probably why our ‘5 financial habits to get into in your 20s’ proved to be such a popular read.

From smart ways to budget (and stick to it) to setting some clear goals and getting to grips with money jargon – we looked at a few tried and trusted financial habits that could help you make the most of your money.

And that includes thinking of your pension. Yes, you’re young and retiring is a long way off but think of it this way: start now and you could build up some serious savings.

And the best bit? If you’ve got a workplace pension your employer pays in too.

We’ve shared loads more information on great ways to get in the know when it comes to your money. Everything from the best websites and newsletters offering free and impartial advice, to podcasts to give you financial inspiration while you commute or work out (we love Cash Chats which recently won an award at the UK Money Bloggers Awards).

Of course, you’ve already got one good financial habit by regularly reading MoneyPlus.

Read more: 5 financial habits to get into in your 20s

Real-life stories: Living your best life, how to save for a new home and… ditching the debt

Money confessions, savings hacks, and nailing those money goals while living your best life are all part of our 20-something real-life stories.

We asked a few of our MoneyPlus colleagues about getting out of generation rent, wrestling with FOMO and some of the other challenges of being in your twenties today.

Ruth Macadam, 24, shared her best money lessons so far: “There’s no feeling quite like getting rid of all your debts. Now, when I get paid each month I pay off any debts I have and shift any money left into my savings accounts so that I don’t just spend it.”

Being financially independent sooner rather than later is firmly in Zac Mazs’ plans. A self-confessed spender-turned-saver, 26-year-old Zac inherited money when he was 18, and spent it partying across Europe. Fun? Yes, but he’s the first to admit that his attitude to money has changed for the better since then.

A few years on, he’s more likely to save, is looking to invest money and even checks how his pension is performing online regularly. It’s an attitude that has helped him save hard and buy his first home, and continue to save for his future.

“I’m thinking of ways to make more money, save more and invest in an ISA soon. I’d really like to get to a point in my life where I can live comfortably and don’t need to work. I want to retire by 55 – ideally sooner,” he says.

Then there’s travel-loving Cara MacLure, who is doing her best to balance living for the moment with saving for the big things.

Her saving tips?I’m using Monzo for an everyday account with pots for saving, including one for New York – which really is my trip of a lifetime. With the round-ups from each banking transaction going to my savings, each time I get the train to work that’s another 10p towards the trip. I get notifications when I’m half-way towards a saving target and that’s pretty encouraging – plus you can lock the pot, if you need to …

“It’s not been hard to save – I know it’s going to be worth it.”

Read more real-life millennial money stories.

Billions lying in ‘lost’ pensions and bank accounts – how to find what’s yours

Did you know there are millions of lost pensions, bank accounts, premium bonds, insurance policies and investments out there?

Pensions worth around £20 billion have been neglected with an average worth of around £13,000, says the Pensions Policy Institute.

And there could be up to £850 million lying forgotten in dormant bank and savings accounts.

But all is not lost – if you think some of it might be yours, here’s how to find it. It could be really simple and it could make a real difference.

If you think you’ve lost one, all you need is the name of your employer or pension provider to get started.

And you can read more here.


The information here is based on our understanding in December 2019 and should not be taken as financial advice. All articles linked to correct at time of initial publication.

Pensions and stocks and shares ISAs are investments. The value of investments can go down as well as up and may be worth less than you paid in.

Standard Life accepts no responsibility for the information contained in the websites referred to in this article. These are provided for general information only.