First and foremost, Sarah should review her debt; it’s probably more sensible to tackle the credit card payments before the student debt as its likely she’s paying more interest on these
If she’s nervous about committing any more to her pension, she should consider investing in an ISA which is more flexible in terms of accessing the funds, should she need to
Ensuring she discusses her plans about buying a property with her parents should be a priority and exploring the most tax efficient way in which they can gift or loan her the money for the deposit
Although she may not yet be in a position to invest, to help her understand the markets and options open to her it’s well worth reading up on how to invest and getting the basics under her belt. This will help her feel more in control when the time comes
