Daniela should think carefully about the pay and benefits offered by employers – particularly pensions, incapacity benefits, and income protection insurance.

She should remember her insurance needs throughout her life, and when she starts a family or buys a house she should think about critical illness insurance or life insurance.

Daniela must first calculate a personal budget and stick to it. She should then build up an emergency fund to cover her outgoings for three months.

Once this is in place, she needs to save for her house deposit. She should aim to save £20,000 in five years by putting £300.66 (between herself and her boyfriend) in a cash ISA every month.

Once she has a home of her own, Daniela should start putting money aside to prepare to start a family.