Making ends meet and making the most of your money is tough.
It’s particularly hard when you are younger: starting out in the world of work, earning less money and with less saved.
You are also more likely to be renting and worried about whether you’ll ever be able to afford those things the older generation seem to have, such as a family, your own home, or the hope of being able to retire one day.
That’s why we have started our new This is Money Diaries series, where we invite 18 to 35-year-olds to share the details of their finances and get some tips on how to make more of their money.
I’ll admit we have done this with some trepidation.
Money diaries have become popular in recent times, but I’m not worried about doing this for fear of being seen to jump on a bandwagon.
I’m more concerned about the reaction they can get, as someone who opened up to the world about their finances gets berated.
Occasionally that might be justified - we’ve all read the stories of those who are lucky in life bemoaning their lot - but often the bombardment is uncalled for.
We learn from others in life; by example and by them sharing their wisdom and experience.
Even when presented with something daft, a good teacher doesn’t ridicule their student – there’s a reason why we don’t reach children in school via the medium of mocker and abuse.
‘Money makes the world go round’, the saying goes but until the day when we take it seriously enough to teach about personal finance properly in schools, for most people it will come down to learning from others.