With a new job under her belt, Latha was ready to work out her financial priorities.

Latha's 23 and just landed her dream job. It's the first time she's earning proper money and there's plenty she wants to do with it! A car, a place of her own, some fantastic shoes – and that's just for starters!

But she does realise she can't do everything straightaway. And, what's more, there's the future to think about too.

Latha's been living with her parents. Although this means she's been lucky enough to keep her debts to a minimum, she knows what she really wants is a place of her own.

She decides to set up a monthly savings account so she can gradually build up a deposit. That way she won't be tempted to spend the money. Her dad had pointed out an article about high interest rate on selected term for fixed bank deposits in the paper – to her surprise it seems a really simple way of saving. After calling and discussing with the customer service desk of her Banker regarding interest payable on various duration, she diverted her fund in her Savings Bank Account to Fixed Deposit Account and that's it – easy.

Although she's young, Latha knows she's got to think longer term too. She's already decided to make additional contribution on the Occupational Pension Scheme with her employer so that she can have the benefit of aiming for higher accumulated amount at retirement. But she also wants to get some professional advice. She wants to meet about three financial advisers, decides the one she feels comfortable with and then get on with planning for the rest of her life.