SOUTH WEST TIMES

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01823617980|sal es@pr epar edmedi a. co. uk www. pr epar edmedi a. co. uk|14t hJanuar y2019

T I ME S

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New YearCar e

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Maj or i t yofUK wor ker sdonotgetpai dover t i me accor di ngt ol at estr esear chbyJobr api do *Maj or i t yofUKwor k er sdonotgetpai dov er t i me *60% ofUKempl oy eesc hec kt hei rphoneoremai l f orwor kpur pos esatl eas t onc eadaywhi l s tonhol i day *38% oft heUKadmi tt os uf f er i ngf r om wor kr el at eds t r es s Mor et hanhal fofUKwor k er s( 51%)whowor kaddi t i onal hour sout s i det hei rc ont r ac tdonotgetpai dov er t i mebyt hei rempl oy er ,ac c or di ngt ot hel at es tr es ear c h byJ obr api do–t hewor l d’ sl eadi ngj obs ear c hengi newi t h55mi l l i onmont hl yv i s i t s andmor et han80mi l l i onr egi s t er edus er si n58c ount r i es .

80% oft heUKwor k er st hatdonotgetpai dov er t i meadmi t t ed“ i ti sj us tpar tofmy j ob” ,or“ Ic oul dj eopar di s emyc hanc esofapr omot i oni fIas kf orov er t i me”or“ I am t oos c ar edt or oc kt heboatbyas k i ngf oraddi t i onal money ” .Ther emai ni ng 20% s t at edt hatdes pi t enotbei ngpai dt heyar egi v enex t r ahol i dayi ns t ead.

Ther es ear c hal s or ev eal edt hatmor et hanhal f( 52.

7%)oft hewor k i ngpopul at i on ar er egul ar l ywor k i ngmor et hana40hourweek ,wi t hnear l y6% wor k i ngbet ween 5155hour saweekandaf ur t her2% wor k i ng56hour sormor e.

RobBr ouwer ,CEO ofJ obr api doc omment s :“ Wi t ht hemaj or i t yoft heUKr egul ar l y wor k i ngmor et hant het r adi t i onal 40hourweek ,i ti ses s ent i al t heyar er ewar ded i ns omewayf ort hei ri nv es t ment .Whi l s ts omear er ec ogni s edwi t ht i mei nl i eu,i t s houl dnotbet hec as et hats omanyi nt hewor k f or c ear ej us tac c ept i ngt hi st obe parf ort hec our s eorf ear f ul t heyc oul dl os et hei rj oborr i s kapr omot i onbyas k i ng f ors omet y peofr emuner at i on.Empl oy er sneedt oc ons i derwhatmes s aget hi s s pel l sout ,par t i c ul ar l yi ft heyar ek eent or et ai nc r uc i al t al enti nt hei rc ompany . “ Wehearandr eadmuc haboutt hei mpor t anc eaboutwor k l i f ebal anc eandt he pos i t i v esi tc anbr i ngt oper f or manc ei nt hewor k pl ac e,y eti ti sc l earf r om ourr es ear c ht hatt hemaj or i t yofempl oy eesf i ndi thar dt os epar at et hei rwor kandper s onal l i f e–manyex pec t i ngt obec ont ac t edout s i dewor kandc hec k i ngi nev er y day ,ev enont hei rannual l eav e. “ Wi t hnear l yf ouri nt enUKwor k er ss uf f er i ngf r om wor k r el at eds t r es s ,i ti ses s ent i al t hatempl oy er sands eni ormanagementl ookatnewway st omanageempl oy ees ’ wor k l oads .Hol i dayort i meout s i det hewor k pl ac es houl dber ec ogni s edasa t i mewhenempl oy eesc anr ec har geandt r ul yr es ts ot heyar ei npos i t i ont ogi v e t hei rv er ybes twhent heyr et ur nt owor kandc r uc i al l ymi t i gat eagai ns tt her i s kof wor k r el at eds t r es s . ”

Ther es ear c hwasc ar r i edoutbet weenNov ember Dec ember2018amongs t1, 500 empl oy eesac r os st heUKwor k i ngi nmor et han50di f f er ents ec t or si nc l udi ngeduc at i on,heal t hc ar e,f i nanc e,c ons t r uc t i onandr et ai l . ht t ps : / / uk . j obr api do. c om/ Ot herhi ghl i ght soft her es ear c hi nc l ude: *Si xi nt enempl oy eesadmi t t edt hatev enonhol i dayt heyc hec kt hei rmobi l e phoneoremai l satl eas tonc eadayf orwor k ,wi t hhal foft hes er es pondent sadmi t t i ngt heyc hec kmul t i pl et i mesaday .Les st hanaquar t erofUKempl oy ees ( 22%)onl yc hec kt hei rphone/ emai l onc eov erat woweekhol i day *67% admi t t edi ft heydi dnotc hec kt hei remai l s / phonedur i ngt hei rhol i dayt hi s woul dc hanget her el at i ons hi pt heyhav ewi t ht hei rl i nemanagerorbos s *61% hav ehadt omi s sani mpor t antev ent( i nc l udi ngaf ami l ybi r t hday ,ani mpor t ants c hool ac t i v i t yoft hei rc hi l d,aweddi ngoraf uner al )bec aus eofwor k *38% s ayt heyhav es uf f er edf r om wor k r el at eds t r es s

J obr api doi st hewor l d’ sl eadi ngj obs ear c hengi ne.Asi ndus t r yf r ont r unner sJ obr api doi ss hapi nganews t andar di nonl i nej obs ear c hi ng;t or ev ol ut i oni z et he waypeopl egetj obs .J obr api doanal y s esandaggr egat esj obl i s t i ngsf r om al l ov er t heweb,s ot hatc andi dat esc anf i ndal l r el ev antj obsi nonepl ac e.Us i ngpi oneer i ngt ec hnol ogyandi nnov at i v epr oduc t s ,J obr api doc onnec t st hedot sbet ween gr eatempl oy er sands t el l arc andi dat es .

Rel eas ef r om mi nxpr

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New YearCar e

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LocalBusi ness

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01823618701 wayne@pr epar edmedi a. co. uk www. pr epar edmedi a. co. uk 1 1t hJanuar y2019

NEW JOBS I NSI DE!

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Somer set

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New YearNew Car eer

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New YearNew Car eer

Fl edgl i nkapp-t he‘ Li nkedI nf orear l y car eer s’-t akesf l i ghti nt heUK Fl edgl i nkappl aunc hedt ohel pbr i dget heeduc at i ont oempl oy mentgapf or“ Gen Z”andhel pt ac k l et hedi v er s i t ypr obl em i nr ec r ui t ment .

Agamec hangi ngear l yc ar eer smobi l eapp-Fl edgl i nk-hasof f i c i al l yl aunc hedi n t heUKandi sal r eadyr uf f l i ngf eat her si nt heonl i nepr of es s i onal net wor k i ng s pac e.Whi l s tt hemar k et l eadi ngpl at f or m Li nk edI ni sai medatpr of es s i onal swi t h s i gni f i c anti ndus t r yex per i enc e,Fl edgl i nkbr i dgest hec hal l engi nggapbet ween t hef i nal y ear sofs t udent ’ seduc at i onandt hec r uc i al per i odwhent heyl ookt o k i c k s t ar tt hei rear l yc ar eer s .Ther ev ol ut i onar ypl at f or m of f er saf r eet ous ededi c at eds oc i al net wor kf or1624y earol ds ,f oc us s edent i r el yoneduc at i onal and pr of es s i onal s uppor t .Fl edgl i nkc onnec t ss t udent sandy oungpeopl ef r om di v er s e bac k gr ounds ,wi t hex c i t i ngempl oy mentoppor t uni t i esof f er edbyl eadi ngc ompani es . “ Or gani s at i onsar ef ac edwi t hapai nf ul i r onywheni tc omest oat t r ac t i onofy oung t al ent .Theyar et ol dbyy oungpeopl et oat t r ac tt hem t hr oughs oc i al medi a,but whatt hi smeansi sI ns t agr am,SnapChatandFac ebook .GenZdon’ twantempl oy er ss noopi ngar oundt hei ri nf or mal s oc i al net wor k s .Ther ehas n’ tbeenas ui t abl es oc i al net wor kt hr oughwhi c ht oengaget hem i namor epr of es s i onal way , unt i l now. "c omment edEl l i eYel l ,FounderofFl edgl i nk .

Fl edgl i nki nc or por at esi ndus t r y l eadi ngt ec hnol ogy ,per s onal i t yi ns i ght s ,di gi t al ment or sand360f eedbac kt hr ought heuni quewayi nwhi c ht hes oc i al net wor k i nt er ac t sont hepl at f or m.I ts uppor t sany onef r om t heageof16ont opi c si nc l udi ngc ar eer sadv i c e,bus i nes sac umen,empl oy abi l i t ys k i l l s ,ment al wel l bei ngand s k i l l s ;aswel l asi nt egr at i ngahi ghl yi nf or mat i v eandt ai l or edj obboar ddedi c at ed t oear l yc ar eer s( wor kex per i enc e,appr ent i c es hi ps ,i nt er ns hi psandgr aduat e r ol es ) .

Fl edgl i nki sf oundedbybus i nes sPs y c hol ogi s tEl l i eYel l whohasaweal t hofex per i enc ei ns uppor t i ngor gani s at i onsandeduc at i onal i ns t i t ut i onsar oundpeopl e dev el opment ,as s es s mentandt al entmanagement .I mpr ov i ngdi v er s i t yc ont i nues t ober ank edt het opc hal l engef or2019,ac c or di ngt heI ns t i t ut eofSt udentEmpl oy er s ’ member s .Fl edgl i nkai mst ohel py oungpeopl eofal l ages ,es pec i al l y t hos ef r om di s adv ant agedandmi nor i t ygr oupst odev el opt hei rabi l i t i es ,i nc r eas e t hei rs el f awar enes s ,c onf i denc eandunl oc kt hei ri nners t r engt hs .

Comment i ngonwhys hef oundedt hec ompany ,El l i eYel l s ai d:" Formos ty oung peopl es t ar t i ngouti nt hei rc ar eer swi t hl i t t l eornowor kex per i enc e,t her e’ snota nat ur al ent r ypoi ntt oempl oy mentandmanybar r i er ss t andi nt hei rway .Of t ent he ‘ r eal ’ pr of es s i onal net wor k sar er es er v edf ort hepr i v i l eged;f or t unat ey oung peopl es ec ur i ngj obsandwor kex per i enc ebec aus eoff ami l yc ont ac t s .Fl edgl i nk i sbr eak i ngdownbar r i er st oent r ybec aus ei t ’ sanequal l yac c es s i bl epr of es s i onal net wor kofs uppor tf ory oungpeopl eatt hes t ar toft hi sov er whel mi ngj our ney , andbec aus ewear ehol di ngc ompani est oac c ountar oundwhatt heyar edoi ngt o s uppor tdi v er s i t yi nr ec r ui t mentandi nc l us i ononc et heyar ehi r ed" .

Hav i ngl aunc hedt hebet av er s i onoft heappi nDec ember ,i t ’ snowbei ngof f i c i al l y l aunc hedi nJ anuar y2019,wi t hf ul l f unc t i onal i t y ,r i ghtac r os st heUK.Fl edgl i nk c ur r ent l yhasal r eadyengagedawi der angeofbl uec hi pbr andsont heapp,pos t i ngt hei rj obv ac anc i es ;wi t hmor ebei ngaddedeac hweek .

Hel enFuge,t hef or merAs s i s t antDi r ec t orofCar eer satSout hampt onUni v er s i t y andnowHeadofT al entatoneofFl edgl i nk ’ sc us t omeror gani s at i ons ,c omment s : “ Car eer sAdv i c ehasc ont i nuedt obedi l ut edac r os st heeduc at i ons ec t orand t her ef or e,t her ear ev er yf ewt ouc hpoi nt sf ors t udentt oi dent i f yt hei rpot ent i al c ar eerpat hs .Fl edgl i nkbr i dgest hi sgap!I t ’ si nnov at ebl endofc r eat i v et ec hnol ogy andc ar eeroppor t uni t i espr ov i dess t udentwi t ht hec hanc et oi dent i f yt hei rs k i l l s andr es ear c hj obst hr oughanapp.Thi sus eoft ec hnol ogyens ur est hatt hec ar eer ss uppor ti sac c es s i bl et oev er y oneandenc our agess t udent st oengages oc i al l ywi t ht heai m ofs uppor t i ngeac hot hert or eac ht hei rpot ent i al .Fr om anor gani s at i onal per s pec t i v e,i tpr ov i desaqui c kandef f ec t i v ewayofpr omot i ngoppor t uni t i esandac c es s i ngaf ant as t i cpool oft al ent ” .

Chr i sPant i ngCoheadofTheAs hc ombeSc hool s ai d," Thec onnec t i onbet ween ps y c homet r i ct es t i ngandt heoppor t uni t i esi st hemos tex c i t i ngas pec t ,andt hi s of f er soppor t uni t i esf ors t udent swhos eCV’ smayl agbehi ndper s onal pot ent i al .I c annotpr ai s ei tenoughandam l ook i ngt oes t abl i s hi tasac ent r al par tofourc ar eer sc ur r i c ul um andgui danc epr ogr amme” .

Fl edgl i nkappi sav ai l abl eonAndr oi dandi OSdev i c esandi sav ai l abl ef orf r ee downl oadoni TunesandGoogl ePl aynow.Orv i s i twww. f l edgl i nk . c om Rel eas ef r om Fl edgl i nkLi mi t ed

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Maj or i t yofUK wor ker sdonotgetpai dover t i meaccor di ngt o l at estr esear chbyJobr api do *Maj or i t yofUKwor k er sdonotgetpai dov er t i me *60% ofUKempl oy eesc hec kt hei rphoneoremai l f or wor kpur pos esatl eas tonc eadaywhi l s tonhol i day *38% oft heUKadmi tt os uf f er i ngf r om wor kr el at ed s t r es s Mor et hanhal fofUKwor k er s( 51%)whowor kaddi t i onal hour sout s i det hei rc ont r ac tdonotgetpai dov er t i meby t hei rempl oy er ,ac c or di ngt ot hel at es tr es ear c hbyJ obr api do–t hewor l d’ sl eadi ngj obs ear c hengi newi t h55mi l l i on mont hl yv i s i t sandmor et han80mi l l i onr egi s t er edus er si n 58c ount r i es .

80% oft heUKwor k er st hatdonotgetpai dov er t i meadmi t t ed“ i ti sj us tpar tofmyj ob” ,or“ Ic oul dj eopar di s emy c hanc esofapr omot i oni fIas kf orov er t i me”or“ Iam t oo s c ar edt or oc kt heboatbyas k i ngf oraddi t i onal money ” .

Ther emai ni ng20% s t at edt hatdes pi t enotbei ngpai dt hey ar egi v enex t r ahol i dayi ns t ead.

Ther es ear c hal s or ev eal edt hatmor et hanhal f( 52.

7%)of t hewor k i ngpopul at i onar er egul ar l ywor k i ngmor et hana 40hourweek ,wi t hnear l y6% wor k i ngbet ween5155 hour saweekandaf ur t her2% wor k i ng56hour sormor e.

Ther es ear c hwasc ar r i edoutbet weenNov ember Dec emm ber2018amongs t1, 500empl oy eesac r os st heUKwor k i ng i nmor et han50di f f er ents ec t or si nc l udi ngeduc at i on, heal t hc ar e,f i nanc e,c ons t r uc t i onandr et ai l .

Ot herhi ghl i ght soft her es ear c hi nc l ude: *Si xi nt enempl oy eesadmi t t edt hatev enonhol i dayt hey c hec kt hei rmobi l ephoneoremai l satl eas tonc eadayf or wor k ,wi t hhal foft hes er es pondent sadmi t t i ngt heyc hec k mul t i pl et i mesaday .Les st hanaquar t erofUKempl oy ees ( 22%)onl yc hec kt hei rphone/ emai l onc eov erat woweek hol i day *67% admi t t edi ft heydi dnotc hec kt hei remai l s / phone dur i ngt hei rhol i dayt hi swoul dc hanget her el at i ons hi pt hey hav ewi t ht hei rl i nemanagerorbos s *61% hav ehadt omi s sani mpor t antev ent( i nc l udi nga f ami l ybi r t hday ,ani mpor t ants c hool ac t i v i t yoft hei rc hi l d,a weddi ngoraf uner al )bec aus eofwor k *38% s ayt heyhav es uf f er edf r om wor k r el at eds t r es s RobBr ouwer ,CEO ofJ obr api doc omment s :“ Wi t ht hemaj or i t yoft heUKr egul ar l ywor k i ngmor et hant het r adi t i onal 40hourweek ,i ti ses s ent i al t heyar er ewar dedi ns ome wayf ort hei ri nv es t ment .Whi l s ts omear er ec ogni s edwi t h t i mei nl i eu,i ts houl dnotbet hec as et hats omanyi nt he wor k f or c ear ej us tac c ept i ngt hi st obeparf ort hec our s eor f ear f ul t heyc oul dl os et hei rj oborr i s kapr omot i onby as k i ngf ors omet y peofr emuner at i on.Empl oy er sneedt o

c ons i derwhatmes s aget hi ss pel l sout ,par t i c ul ar l yi ft heyar e k eent or et ai nc r uc i al t al enti nt hei rc ompany . “ Wehearandr eadmuc haboutt hei mpor t anc eabout wor k l i f ebal anc eandt hepos i t i v esi tc anbr i ngt oper f or manc e i nt hewor k pl ac e,y eti ti sc l earf r om ourr es ear c ht hatt hemaj or i t yofempl oy eesf i ndi thar dt os epar at et hei rwor kandper s onal l i f e–manyex pec t i ngt obec ont ac t edout s i dewor kand c hec k i ngi nev er yday ,ev enont hei rannual l eav e. “ Wi t hnear l yf ouri nt enUKwor k er ss uf f er i ngf r om wor k r el at eds t r es s ,i ti ses s ent i al t hatempl oy er sands eni ormanagementl ookatnewway st omanageempl oy ees ’ wor k l oads .

Hol i dayort i meout s i det hewor k pl ac es houl dber ec ogni s ed asat i mewhenempl oy eesc anr ec har geandt r ul yr es ts o t heyar ei npos i t i ont ogi v et hei rv er ybes twhent heyr et ur nt o wor kandc r uc i al l ymi t i gat eagai ns tt her i s kofwor k r el at ed s t r es s . ” ht t ps : / / uk . j obr api do. c om/

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Busi nessesf ocusonengagi ngdi ver set al ent , surveyr eveal s Empl oy er sar et ak i ngac t i v es t epst oi mpr ov ec andi dat eand s t af fengagementwi t hi ndi v i dual sf r om s pec i f i cgr oupsi nan ef f or tt oov er c omeongoi ngs k i l l ss hor t ages .Thati sac c or di ngt oas ur v eyof1, 500UKbas edhi r i ngmanager sbyi nt er nat i onal t al entac qui s i t i onandmanagedwor k f or c es ol ut i ons pr ov i der ,Gui dantGl obal .

Thenewsc omesas78% ofal l r es pondent sadmi tt heyar e c ur r ent l yf i ndi ngi tdi f f i c ul tt oac c es st hequal i t yandv ol umeof t al entt hei rbus i nes s esneedt ot hr i v e,wi t h16% ofhi r i ng manager sv i ewi ngt appi ngi nt ounder ut i l i s edt al entpool sas t hei r‘ gr eat es toppor t uni t y ’ f r om at al entmanagementper s pec t i v e.

Whenqui z z edonwhi c hdemogr aphi c st heyar epr i or i t i s i ng, 18% ofr es pondent ss ai dt heyar ef oc us i ngonemer gi ng t al entt oboos tf ut ur epi pel i neswhi l e17% s ai dt heyar edi r ec t i ngr es our c esi nt oengagi ngf emal et al ent .Af ur t her13% ofhi r i ngmanager si ndi c at edt hatt heyar et ak i ngs t epst ot ap i nt odi s abl edt al entpool swhi l ebot hBAMEi ndi v i dual sand t hos er et ur ni ngf r om ac ar eerbr eakwer et opt ar get sf or12% oft hos es ur v ey ed.

Comment i ngont hef i ndi ngs ,Si monBl oc k l ey ,Managi ngDi r ec t or ,EMEA,atGui dantGl obal ,s ai d:“ Wi t hal mos tf ouri n f i v ehi r i ngmanager si ndi c at i ngt hatt heys t r uggl et os our c e t hes k i l l st heyneedt ot hr i v e,i ti suns ur pr i s i ngt hator gani s at i onsar ei nc r eas i ngl yex pl or i ngwi deranddeepert al ent pool s .Howev er ,i nor dert oef f ec t i v el yengages pec i f i cdemogr aphi c s ,or gani s at i onsmus ti mpl ementc ommuni c at i ons s t r at egi eswhi c hr es onat ewi t ht hei ri nt endedaudi enc es .The empl oy er st hatwewor kwi t har eenj oy i ngs uc c es si nt hi s ar eat hr oughr ev al uat i ngnotonl yt hemes s agest hatt heyar e s har i ng,butal s ot hemedi umst hr oughwhi c ht heyar ec ommuni c at ed.I ti snowuni v er s al l yr ec ogni s edt hatdi v er s i t yof t houghtbr eedsi nnov at i on,andbyt ai l or i ngempl oy erof c hoi c emes s agest os pec i f i cgr oups ,f or war dt hi nk i ngor gani s at i onsar eunl oc k i ngt hepot ent i al ofdi v er s et al ent . ”

Ot hergr oupswhi c hhi r i ngmanager sar eac t i v el ys eek i ngt o engagei nc l ude:i ndi v i dual swi t hac r i mi nal r ec or d;t hos e f r om l owers oc i oec onomi cgr oups ;LGBTt al ent ;andol der wor k er s ,whi c hwer et ar get edby8%,7%,6% and4% ofempl oy er sr es pec t i v el y .

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Heal t h&Beaut y

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TheWeddi ngGui de

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New Resear chShowsThat70% ofUK Don' tKnow TheCostofMar r i age Mar r i ageMor eExpensi veThanThoughtFor70% ofBr i t s 70% ofCoupl esSpendMor eThanTheyPl annedI nThei rFi r stYearof Mar r i age 1824YearOl d’ sAr eMostLi kel yToOver spend PoorFi nanci alPl anni ngCanPutPr essur eOnRel at i onshi psDownThe Li ne Whi l ever yf ewofushavear oyalbudget ,weal lwantaweddi ngt or ememberandamar r i aget hatst ar t si nst yl e.However ,newr esear chr eveal st hatnewl ymar r i edcoupl esar ef arl essmoneysmar tt hanpr evi ousgener at i ons,wi t h70% ofcoupl esspendi ngmor et hant heybudget edf ori nt hei rf i r styearofmar r i age.Thi scanl eadt oar gument s,t ensi on,andl essover al lr el at i onshi psat i sf act i onandal owerqual i t yofl i f e.

Overat hi r d( 37%)act ual l ysai dt heyspent‘ al otmor et hanexpect ed’ i n t hei rf i r styearofmar r i age,gi vi ngt hem apoorst ar t i ngpoi ntf ort hei r f ut ur et oget her .Menar eal mostf ourt i mesmor el i kel yt hanwoment o havenoi deahowmucht hei rf i r styearofmar r i ageshoul dcost .

Ther esear chf r om Peachyshowst hatwhi l emanyofusdoent eri nt o mar r i agewi t hani deaofhowmuchshar edl i vi ngwi l lcost ,ourest i mat es ar er ar el yaccur at e.Womenar emor el i kel yt oover spendt hanmen, whi chcanl eadt opr obl emsdeeperi nt ot her el at i onshi p.Nothavi nga st abl ef i nanci alsi t uat i oncanl eadt oi ncr easedst r ess,havi ngani mpact onbot hourment alheal t handqual i t yofl i f e.

I ncont r ast ,havi ngr obustsavi ngs anddi sposabl ei ncomemean coupl esar ehappi er ,andmor e abl et odealwi t hsur pr i seswhen t heydocomeup.Onl y1i n5 ( 20%)managedt ospendexact l y whatt heyt houghtt heywoul d spend,butevent hatcanst i l ll ead t obei ngcaughtshor twhen unexpect edcost sar i se.Havi ng ar el i abl esour ceofcashf l ow,ort heabi l i t yt oqui ckl ycoveranyunexpect edpayment smeanscoupl escanenj oypeaceofmi ndknowi ng t hey’ r epr ot ect ed.

Savi ngExper tKat r eKaar enper kVanat oasays: ‘ Weal lknowhowi tf eel swhenanunexpect edbi l lar r i vesorahome r epai ri sr equi r edandyoudon’ thavet hef undst ocoveri tunt i lpayday .

Shor tt er ml oansar edesi gnedt odoexact l ywhatt heysayont het i n,and gi veyout heabi l i t yt omeetyourmont hl ycommi t ment sbypr ovi di ngext r a casht i l lyougetpai d.Theyar ei nt endedasashor tt er ml endi ngf aci l i t yt o enabl eyout omeetur gentandunf or eseenexpendi t ur e.Butr emember , al wayst hi nkcar ef ul l ybef or eyout akeashor tt er ml oanandmakesur e t hatyouar eabl et or epayt heout st andi ngbal anceont heduedat e. ’ Wi t hpr operpl anni ngandf i nanci alhel p,anycoupl ecanenj oyasmoot h f i r styearofmar r i age,set t i ngt hem i ngoodst eadf ort heyear st ocome.

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