Planning for old age
It's never too early to make a will, especially if you are living with someone rather than getting married. Live-in partners have no special rights when their partner dies.
Put pensions on your financial shopping list too. The earlier you start the better. The money you put in now has plenty of time to grow for the future. As both Terry and Sal are self-employed, private pensions are crucial to them and they pay in regular amounts each month by Direct Debit.