One of the biggest challenges facing first time buyers is saving for a deposit. With increasing rental prices and the cost of living, buyers often find it tricky to save enough funds to put down a 10% or even 5% deposit on a new property. There are a few options open to first time buyers to help them get that first step on the property ladder.

Currently, going on holiday is a little bit like a rubbish lucky dip – will we be able to go? If we can’t, will we get our money back? If we can, will some new restrictions come in part-way through the break meaning we have to quarantine on our return?

One of the biggest headaches for employers is managing the company’s annual leave.

The tricky task however is ensuring that whilst some employees are on annual leave, you’re left with enough people to carry out the day to day activities of the company, and that no real problems arise because staff are away.