Investments
Some people struggle with investment. Not because they do not understand that we all need to manage money for the future but because they do not start out on the right track.
The first question to ask is if you can actually afford to invest. The answer to this question will depend on several factors such as the capital you have available, the amount of spare money you have monthly, how long you are prepared to tie the money up for and most importantly your own attitude to risk.