For many people a job is more than an income - it's an important part of who we are. So a career transition of any sort is one of the most unsettling experiences you can face in your life.

For many people a job is more than an income - it's an important part of who we are. So a career transition of any sort is one of the most unsettling experiences you can face in your life.

There are plenty of ways to get ahead. The first is so basic I'm almost embarrassed to say it: spend less than you earn.

Learn as much as you can about your proposed business. Ask questions. Join industry associations. Study successful competitors carefully.

Before you start trying to work out which direction the property market is headed, you should be aware that there are markets within markets.

The only prerequisites are past experience, a suitable personality and good communication skills: you need to be able to communicate adequately in English.

Personally, I tend to worry about what I save, not what I spend.