As students leave college already weighed down by the burden of student loans to repay and enter the working world with all of its financial and legal traps and temptations, it is more important than ever that they understand the most important facts of personal finance and employment rights. This is guide for young people going to University or starting work for the first time. Many young people have little or no idea about basic financial and related matters, such as how credit cards, bank accounts and overdrafts actually work (and consequently run the risk of paying much more in interest and charges than they ought). Nor do they always understand exactly what they are doing when they sign a contract of employment etc, why it is important to start saving early, what a mortgage really is and how the various types differ. This book addresses those issues and more on pensions planning and income tax.