7 things we thought were gonna happen when we grew up (and 3 we never saw coming)

When we were younger, we all thought about what was going to happen in our lives. We had a plan for how life is going to turn out, but very rarely does it work out that way. We need to be prepared for that sort of thing; we need a backup plan and to make sure we can have all those nicer things in life such as holidays and nice clothes.

So, with Experian we bring you seven things we thought were going to happen when we grew up, and three things we never saw coming:

Seven things we thought would happen when we grew up:

Find that perfect job

Everyone had their dreams as a child; how many times were you asked 'what do you want to be when you grow up?'

For a lot of kids, they wanted to be sports stars, firefighters, vets, doctors, nurses or pilots. And while some of those have gone on to achieve their dream, for a lot of us, it hasn't worked out that well. A lot of these dream jobs have either a very high pay rate or they are hobbies that become a job so they stay as an enjoyable activity that we get paid for.

But, unfortunately, some of us end up in jobs we settle into, with maybe not such great pay, so we need to control our money a lot better. That is where the Experian Credit Score come in, a free service that helps you stay on top of your finances. If you have a bad credit score, it could seriously harm your chances of getting the best deals for certain things in the future, such as credit cards, mortgages and even phone contracts. So make sure you stay on top of it by heading over to Experian and getting it checked for free.

Go on holiday whenever we want

Again, tying in with the previous point, if you have a job that doesn't pay as much as you were hoping or you have a student loan to pay back, then sometimes it can seem like holidays are a far and distant dream.

Yes, there are holidays available for quite cheap on the face of it. Cheap airlines offer flights for as little as £20 but then hotel costs, then you have all the insurance required, spending money and other small elements. Soon enough the price does increase.

But also, with insurances, it can be detrimental to your application if you have a bad credit score and mean that you sometimes may need to pay the full amount up front and not be offered the chance to pay in monthly instalments. So make sure you are on top of it, and get it checked out.

All of the money you earn will be yours

Ah, yes, taxes and expenditures. Something they didn't prepare you for at school, but more on this later. As we get older, we get more used to it but when we were younger, we never had this to worry about, so maybe we didn't know it existed.

But the earlier you manage to get your tax code correct because when you first start earning the HM Revenue and Customs might not be certain what it should be. They will charge you the emergency amount (20%), and that stings. You can claim that back and it will come back eventually as a very nice rebate. But to avoid any confusion and misunderstanding, in the beginning, it is best to be organised with it. The worst thing that could happen is that you don't pay enough and then get a letter from them and it turns out you owe them money!

Another issue with this are those bills. If you live with friends or house share, you all split the costs of the bills. This can include rent, gas, electricity, water, internet and television license. While you may stay on top of your payments, your friends might not be so organised. If they miss payments and the bills are in joint names, this could still have a detrimental effect on your credit. So ensure your Experian Credit Score hasn’t suffered by other bill-sharers mispayments by getting it regularly checked.

Easy transition from school to college, to uni

"I am going to go to school, then college, then University and then get a job."

Sound familiar? Yeah, me too. While it may sound as simple as that, it very rarely is. Sometimes you have gap years, sometimes you have to retake exams and/or modules. And for some (myself included) you have both.

They say school and college are the best years of your life, but they are also some of the most stressful as they are the years that set you up for the rest of your life. You learn a lot of fundamental skills in those 15 years, how to be around people, how to manage money, all while studying for the career path you want to take. Then once education is finished, you have to go out into the big, wide world and are expected to know what is going on.

Well, when it comes to money, have a little less stress on your mind by getting your Experian credit score checked.

Life would be like a Disney movie and we live happily ever after

Career by 25, married by 30, kids by 35? That would seem to be the perfect way for it plans out. That's how a lot of celebrities have done it. People like Beyonce, who has just announced her second pregnancy with twins.

But that seems to be a little less likely for a lot of us, some are still living with parents or have moved out into their own place on their own by 25, and are still working towards that career they long for.

If you are living on your own or with friends, money is a huge worry. So things might not be as planned and other aspects of life may suffer.

Not suggesting you do not move out of your parents' house, independence is a great thing to learn, but if money is a worry, get some help by regularly checking your Experian Credit Score.

Have the social life we long for

As much as we would love to have the social life of the characters of the shows Friends and The Big Bang Theory, who seem to be able to afford collectables, days out whenever they want and never seem to cook their own food, things are very different for real young people.

But that seems to be a little less likely for a lot of us, some are still living with parents or have moved out into their own place on their own by 25, and are still working towards that career they long for.

If you are living on your own or with friends, money is a huge worry. So things might not be as planned and other aspects of life may suffer.

Not suggesting you do not move out of your parents' house, independence is a great thing to learn, but if money is a worry, get some help by regularly checking your Experian Credit Score.

Have the social life we long for

As much as we would love to have the social life of the characters of the shows Friends and The Big Bang Theory, who seem to be able to afford collectables, days out whenever they want and never seem to cook their own food, things are very different for real young people.

Some people get help with paying for their cars, but even those cars are very often second-hand and a bit rubbish.

But just look at the amount of money needed to get the car. First, you need a provisional license, then take your theory, then lessons, then the test, and this is before getting your car! Once you pass your test, you buy a car, then you have to tax it, insure yourself on it, get it an MOT and maintain it! This ends up costing a ridiculous amount every year.

You often have to sacrifice having the nice car you want for a terrible 1999 Ford Mondeo in the colour of rust. just because it is a lot cheaper in the short term, but maintenance charges will end up costing a lot more.

So that were things we thought were going to happen when we were younger. Now on to things we didn't see coming:

Taxes

So you get a job, your first job. It is coming up to the end of the month and you are looking forward to your first paycheck. You finally pick it up and are inherently disappointed with the amount on that piece of paper.

You look in more detail, and you find out that one-fifth of it has been taken off! Tax: a nightmare for everyone.

This is something we were never taught while at school, instead, we were learning about Pythagoras' Theorem.

So when we plan on what we are going to spend our newly earned money, those plans change because we don't have anywhere near how much we thought we would have.

Student loan

You graduate, you get your first job. You start earning money and you are happy with how things are going. Now, you know you have to pay the student loan back but it still never truly prepares you for when it starts happening. Then you know you will be spending the next few year paying it back gradually. It is not a nice feeling.

And if you go to Uni now, you especially feel bad because of the increase in tuition fees in 2012. But it is payments that need to be made. With this pressure of repayments, staying on top of them can be hard and stressful. But if you don't, then your credit score could severely suffer. To stay on top of your credit score, head over to Experian now.

Travel costs

If you live in London, travel costs are ridiculous, and they rise every year. Something we live with for a long time, but when you make the transition of living with parents and going to school locally, to living on your own and working up in the city or further away than before, the cost of getting there increases dramatically.

A zone 1-6 travel card will cost you around £3000 per year, so if you are on a £18,000 per year salary, you have to take tax of that as well as National Insurance and any other expenditures (rent and bills) then another huge amount off for that, too. It is horrible and something that you can never truly get used to.

But with the help of Experian and their free credit score, you can get an indication of your financial situation and hopefully be able to afford some of those nicer things in life. Makes sure you head over there and sign up to get your free Experian Credit Score.

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