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Sure, your parents will have told you enough times, “it’s important to begin saving once you are young”, especially if you want to own property or car some day. However, rising rent and living costs, plus a freeze in wages, is making it increasingly difficult for millennials to even live in the now, rather than start planning for the future. Ok, we aren’t making excuses for your latest credit card bill, but it can be difficult balancing a hectic social life with setting up a long-term savings account. So, if you want to keep your folks pleased, but still want to keep up with your friends, then you need to make sure that you manage your money incredibly carefully.