Shop around
Don’t take on too much debt
Allow that interest rates go up and down
Contact your bank if struggling with a mortgage
Seek advice regarding fixed versus variable rates
Allow for rainy days
Credit cards are great, but they deserve respect
Use your mortgage for longer term debt
Start saving and investing early
Plan for asset prices to go through rough patches
See big financial events in their long-term context
Know your risk tolerance
Make the most of the Mum and Dad bank
Be wary of what you hear at parties
There is no free lunch
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