Create opportunities for small victories in your own life and in those you influence. Success is often a series of small steps rather than one giant leap. So, what happened with that freshman-year ...
The other Money story ... your current insurance company down - it's less hassle, and you can play on the loyalty factor. Mr Dixon says you should come prepared by getting quotes from elsewhere ...
Even the odd flutter can be a red flag for lenders. We explain how gambling could affect your mortgage application - and what to do if you're worried your history might cause a problem.