As we get older, we often think about what we’d say to our younger selves, who are just starting out on the path to adulthood. With no commitments like a mortgage or children to tie us down, we could spend money the way we wanted to spend it. However, we also realise that later in life, we want to settle down, buy a home and maybe have a family. And for all of this you need money. So how can you save money but still enjoy your youth?