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      <title>Student &amp; New Grad of Face Up To Finances by Vets Stay Go Diversify</title>
      <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources</link>
      <description>A selection of goodies to support your financial future, curated by VetYou</description>
      <language>en-us</language>
      <pubDate>2023-01-24 11:45:59 UTC</pubDate>
      <lastBuildDate>2024-11-05 11:37:32 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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         <title>Protecting your health</title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532613</link>
         <description><![CDATA[<div>Understand the difference between health care versus life insurance&nbsp;</div>]]></description>
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         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
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      <item>
         <title>Do you have the time to tackle your finances?</title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532614</link>
         <description><![CDATA[]]></description>
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         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
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      <item>
         <title>Your payslip deconstructed</title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532615</link>
         <description><![CDATA[<div>A helpful visual to understand what all the deductions and codes mean</div>]]></description>
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         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532615</guid>
      </item>
      <item>
         <title>Discussing Money</title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532616</link>
         <description><![CDATA[<div>In this episode of Borborygmi, we’re talking about <strong>money</strong>. <a href="https://uk.linkedin.com/in/hannah-fitzsimmonds-4b52b0172">Hannah Fitzsimmonds</a> is a final year vet student at Bristol University and until recently, was the <a href="http://www.avsukireland.co.uk/">AVS</a> Welfare rep. <a href="https://www.vetyou.co.uk/about">Matt Dobbs</a> qualified from the University of Edinburgh in 1999 and was a farm vet for many years, progressing to be the managing director of Westpoint Farm Vets. He is also a trustee of the <a href="https://www.animalwelfarefoundation.org.uk/">Animal Welfare Foundation</a> and a co-founder of <a href="http://www.vetyou.co.uk/">VetYou</a>, which aims to get vets thinking about their finances and financial future.&nbsp;</div>]]></description>
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         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
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      <item>
         <title>Help cutting costs to your spending</title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532617</link>
         <description><![CDATA[<div>Survive today to prosper tomorrow article. Full of practical advice of your fixed and discretionary costs </div>]]></description>
         <enclosure url="https://www.vetyou.co.uk/news/survive-today-to-prosper-tomorrow" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532617</guid>
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      <item>
         <title>Student loan repayments</title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532618</link>
         <description><![CDATA[<div>All the details from the Government</div>]]></description>
         <enclosure url="https://www.gov.uk/repaying-your-student-loan/when-you-start-repaying" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532618</guid>
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      <item>
         <title>What I&#39;ve learnt about money in 20 years as a farm vet</title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532620</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.youtube.com/watch?v=9sOyyiEsIRg" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532620</guid>
      </item>
      <item>
         <title>3 solutions to help you if the worst happens</title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532623</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://youtu.be/q4SMUqGdlSY" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532623</guid>
      </item>
      <item>
         <title>7 Things to know about investing for a pension</title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532624</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://bit.ly/7ThingsToKnowAboutInvestingForAPension" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532624</guid>
      </item>
      <item>
         <title>Why every vet needs an Independent Financial Advisor</title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532625</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://youtu.be/YWf3x0Fzcj4" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532625</guid>
      </item>
      <item>
         <title>Want to Fix-Up Look Sharp as a New Grad in 2021?</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532626</link>
         <description><![CDATA[<div>Remember to register at <a href="http://www.vetyou.co.uk">www.vetyou.co.uk</a> and then we can keep you updated with future events. Last year we ran a session called "100days In Your First Job" to provide&nbsp; our <strong>top financial tips for those entering the workforce</strong> and putting you at the centre of your financial future.&nbsp;<br><br>We will be repeating this in 2021, keep your eyes peeled!<br><br>For now, be sure to watch the recording of our check-in session with those students from the original wave.<br><br>We covered all kinds of ground from your questions that you sent in and asked live. So, listen back if these questions have been on your mind recently too!</div><ul><li>What should a new grad salary be expected to look like? (Roughly)</li><li>Where's the best place to find out the average UK vet salary? Ideally with a breakdown depending on region of the UK</li><li>How much of a pay rise should I get after working for one year?</li><li>Very interested in contract negotiation and whether vet salaries are likely to change due to covid and Brexit</li><li>How does someone with no prior knowledge of reading job contracts know what is fair and what is a red flag?</li><li>Allowances vs housing. What’s a good rota and contract negotiations?</li><li>Should I sign up for pensions offered by employer? What is best to cover illness/long term leave if I need it in the future?</li><li>Is a 5% pension contribution enough or would you recommend increasing it?</li><li>As a new grad do we need income protection? Is it the kind of thing that’s better the longer you have it?</li><li>Is it possible to start a savings account right out of uni and if so what type would be best?</li></ul>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=f9q1bfL8Ie4&amp;feature=youtu.be" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532626</guid>
      </item>
      <item>
         <title>The salary calculator </title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532627</link>
         <description><![CDATA[<div>Wondering how much difference that pay rise would make? The April 2020 values have now been made available to show you the most up-to-date information. Use the Take-Home Salary Calculator to work out just how much more you will have each month.</div>]]></description>
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         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532627</guid>
      </item>
      <item>
         <title>Financial Health Check Support Sheet</title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532628</link>
         <description><![CDATA[<div>A great resource to help you take stock of your income and outgoings</div>]]></description>
         <enclosure url="http://bit.ly/FinancialHealthCheckSupportSheet" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532628</guid>
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      <item>
         <title>How to face your financial fears</title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532629</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.youtube.com/watch?v=j4nLXtz-U6w" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532629</guid>
      </item>
      <item>
         <title>How to protect yourself with very little savings</title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532630</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.youtube.com/watch?v=uzV0WdAFwo0" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532630</guid>
      </item>
      <item>
         <title>The best thing I did with my first pay check</title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532631</link>
         <description><![CDATA[<div>In this episode of the Face Up To Finances podcast we are chatting to VetYou co founder Gudrun Ravetz about the best thing she did with her first paycheck 18 years ago….</div>]]></description>
         <enclosure url="https://anchor.fm/vetyou/episodes/Show-me-the-money--My-first-paycheck-eec2bs/a-a28omvo" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532631</guid>
      </item>
      <item>
         <title>Negotiation tips for new graduates </title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532632</link>
         <description><![CDATA[<div>Remember that interviews are two way streets! Knowing your worth as well as what practices need can help you negotiate successfully</div>]]></description>
         <enclosure url="https://www.vetyou.co.uk/news/negotiation-tips-for-new-graduates" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532632</guid>
      </item>
      <item>
         <title>Prepare for when the worst happens</title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532634</link>
         <description><![CDATA[<div>The details of income protection and what to consider including a webinar to rewatch</div>]]></description>
         <enclosure url="https://www.vetyou.co.uk/news/when-the-worst-really-does-happen-protecting-your-income" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532634</guid>
      </item>
      <item>
         <title>Contact us and get started with free financial support</title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532635</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.vetyou.co.uk" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532635</guid>
      </item>
      <item>
         <title>A personal story of why income protection counts </title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532636</link>
         <description><![CDATA[<div>This is so worth a listen. </div>]]></description>
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         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532636</guid>
      </item>
      <item>
         <title>Catch up on Talk Money Week</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532637</link>
         <description><![CDATA[<div>We created a fantastic 5 day event for you to get to grips with finances.<br>Day 1: Money Mindset:<br>https://youtu.be/3-FKiVt6jeg<br>Day 2: Financial Education and Wellbeing<br>https://youtu.be/Rvzxes9QrZo<br>Day 3: Assembling Your Financial Avengers:<br>https://youtu.be/R5XCBRSFEms<br>Day 4 and 5 are available in the downloadable workbook here:<br>https://bit.ly/vetyouworkbookprint<br>Editable version:<br>https://bit.ly/vetyouworkbookeditable</div>]]></description>
         <enclosure url="https://youtu.be/3-FKiVt6jeg" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532637</guid>
      </item>
      <item>
         <title>Why is it worth ppppicking up a personal pension?</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532638</link>
         <description><![CDATA[<div>We were thrilled to be joined by Raindrop, a flexible, online pension solution, alongside Ruth the financial adviser for this session.&nbsp; You can watch the full recording of the event below.<br><br>Note: The pension company, Raindrop, doesn't function in this way anymore - but the chat and the sentiment are still very much there. If we can help you with a plug and play pension provider, drop us an email hello@vetyou.co.uk</div>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=1RB4rvD2IHI&amp;t=1s" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532638</guid>
      </item>
      <item>
         <title>Does negotiation scare the hell out of you?</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532639</link>
         <description><![CDATA[<div>Join Paul Horwood and Alex Appelbe (Metis Labs) for a free, 20minute session packed with top tips on how to make the most out of negotiation.<br><br></div>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=8-ECx0nPYAM&amp;autoplay=1&amp;mute=0" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532639</guid>
      </item>
      <item>
         <title>Your 1st 100 Days in Your New Job</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532641</link>
         <description><![CDATA[<div>From Contracts to Packages to Pensions, we discussed everything YOU need to know to get ahead in finances during the first 100 days in your new job.</div>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=wL9mt8roNMI" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532641</guid>
      </item>
      <item>
         <title>Book a call with Ruth</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532642</link>
         <description><![CDATA[<div>Book a call in with Ruth Downs, friendly financial adviser from Reflect Financial. We have worked closely with Ruth over the past few months and she has freed up slots in her diary to work with VetYou members to chat about income protection, pensions, investments, health insurance and more. The exploratory call is complimentary, and any fees from there are transparent and explained.</div>]]></description>
         <enclosure url="http://www.calendly.com/vetyouruth" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532642</guid>
      </item>
      <item>
         <title>Financial Questionnaire: Step by Step</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532645</link>
         <description><![CDATA[<div>Ruth and Katie run through the financial questionnaire.</div>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=krUDuHTf8k8" />
         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532645</guid>
      </item>
      <item>
         <title>Financial Questionnaire</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532646</link>
         <description><![CDATA[<div>This questionnaire is a really useful starting point in getting clear on your finances. Thank you to financial adviser, Ruth Downs for this document. If you click to enlarge and the select download file (top right toolbar) to open your own version.</div>]]></description>
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         <pubDate>2023-01-24 11:45:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454532646</guid>
      </item>
      <item>
         <title>Side Hustle Finances Explained</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454545692</link>
         <description><![CDATA[<div>In this session, we're joined by accountant Nichola Hawden to talk about what we can do with our side hustle income to stay on the right side of the taxperson!</div>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=fXfFhyYmYok&amp;t=2s" />
         <pubDate>2023-01-24 11:58:34 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454545692</guid>
      </item>
      <item>
         <title>Setting Yourself Up for Property Purchase</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454546883</link>
         <description><![CDATA[<div>In this session, join Ruth Downs and VetYou founder, Katie Ford, to talk about setting yourself up for property purchase.</div>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=hJY2KdoQ9fA&amp;t=4s" />
         <pubDate>2023-01-24 11:59:51 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454546883</guid>
      </item>
      <item>
         <title></title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454548864</link>
         <description><![CDATA[<div>Join Katie Ford from VetYou and Ruth Downs, financial adviser, as they chat about preparing for a new job financially.</div>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=3xd9bWwEH4c&amp;t=306s" />
         <pubDate>2023-01-24 12:01:54 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454548864</guid>
      </item>
      <item>
         <title>Mortgages: From Basics to Freelancers</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454550806</link>
         <description><![CDATA[<div>VetYou were joined by mortgage adviser Serena to talk about the process of buying a house. Check out this power hour.</div>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=QYw7JiQ-l4M" />
         <pubDate>2023-01-24 12:04:00 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454550806</guid>
      </item>
      <item>
         <title>Finance Snippet: Pensions Explained</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454552209</link>
         <description><![CDATA[<div>Join Katie Ford and financial adviser Ruth Downs for 20mins on pensions, don't forget, Ruth is always happy to answer your questions or <a href="http://www.calendly.com/vetyouruth">set up a call</a>.&nbsp;</div>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=qCLDa5RyoNk&amp;t=742s" />
         <pubDate>2023-01-24 12:05:31 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454552209</guid>
      </item>
      <item>
         <title>Critical Illness Cover Explained</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454553303</link>
         <description><![CDATA[<div>Listen to this session on whether you may need to consider Critical Illness Cover.</div>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=NSAExSfbml4" />
         <pubDate>2023-01-24 12:06:42 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454553303</guid>
      </item>
      <item>
         <title>Budgeting &amp; Planning</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454554427</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.youtube.com/watch?v=2EkL9L4OU-M&amp;t=6s" />
         <pubDate>2023-01-24 12:07:55 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454554427</guid>
      </item>
      <item>
         <title>How to Ace Salary Negotiation</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454556499</link>
         <description><![CDATA[<div>With Paul Horwood from the VetYou team</div>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=yJ6w3uOIvSA" />
         <pubDate>2023-01-24 12:10:05 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454556499</guid>
      </item>
      <item>
         <title>55 Ways to Save Money on Food</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454557765</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.savethestudent.org/save-money/food-drink/ways-to-save-money-on-food.html" />
         <pubDate>2023-01-24 12:11:25 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454557765</guid>
      </item>
      <item>
         <title>Tools &amp; Tips to Slash Food Bills</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454558393</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.moneysavingexpert.com/shopping/cheap-supermarket-shopping/" />
         <pubDate>2023-01-24 12:12:02 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454558393</guid>
      </item>
      <item>
         <title>Apps we love: TooGoodToGo</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454559155</link>
         <description><![CDATA[<div>Nab restaurant and café food last minute at bargain prices.</div>]]></description>
         <enclosure url="https://toogoodtogo.co.uk/en-gb/" />
         <pubDate>2023-01-24 12:12:51 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454559155</guid>
      </item>
      <item>
         <title>Apps we love: Olio</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454560071</link>
         <description><![CDATA[<div>Find food and items that your neighbours no longer want or need to save them from going to waste.</div>]]></description>
         <enclosure url="https://olioex.com/" />
         <pubDate>2023-01-24 12:13:49 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454560071</guid>
      </item>
      <item>
         <title>Check out the Money Saving Expert&#39;s list of Student Discounts &amp; Deals</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454560513</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.moneysavingexpert.com/deals/student-discounts/" />
         <pubDate>2023-01-24 12:14:18 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454560513</guid>
      </item>
      <item>
         <title>The SPVS Salary Survey</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454564370</link>
         <description><![CDATA[<div>Each year, SPVS performs a salary survey to benchmark current salaries within the veterinary profession. Take part to access the results and, or join up to see the average salaries for different areas, years of experience and more. Students can join for free, and new graduates from as little as £24</div>]]></description>
         <enclosure url="https://spvs.org.uk/spvs-survey/" />
         <pubDate>2023-01-24 12:18:21 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454564370</guid>
      </item>
      <item>
         <title>University Hardship Funds</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454566198</link>
         <description><![CDATA[<div>Depending on circumstances, many universities have access to extra funding and support. You may find this via your university's main campus financial support or by checking on the government website.</div>]]></description>
         <enclosure url="https://www.gov.uk/extra-money-pay-university/university-and-college-hardship-funds" />
         <pubDate>2023-01-24 12:20:13 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454566198</guid>
      </item>
      <item>
         <title>Welcome!</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454567883</link>
         <description><![CDATA[<div>VetYou are a community to open conversations around finances, empower an independent financial you, and connect you with financial experts. Email us hello@vetyou.co.uk - there's no such thing as a stupid question. Below you'll find links to book with financial advisers directly, alternatively scroll all the way to the right to view all of the resources we have for you. Check out <a href="http://www.vetyou.co.uk">www.vetyou.co.uk</a><br>Our Founders are all vets:<br>Matt Dobbs - Farm Vet, Entrepreneur<br>Ebony Escalona - Equine Vet, Community Creator<br>Paul Horwood - Farm Vet, Business Owner<br>Katie Ford - Small Animal Vet, Influencer</div>]]></description>
         <enclosure url="" />
         <pubDate>2023-01-24 12:21:57 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454567883</guid>
      </item>
      <item>
         <title>Budgeting - Arrgh!</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454568899</link>
         <description><![CDATA[<div>Below are resources to help you get started with budgeting and how to find a way for it to work for you - we believe this is a staple to solid financial decisions.</div>]]></description>
         <enclosure url="" />
         <pubDate>2023-01-24 12:22:53 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454568899</guid>
      </item>
      <item>
         <title>Setting you up for success</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454571356</link>
         <description><![CDATA[<div>Re-watch our first 100 days sessions, including information on salaries, packages, contracts, budgets, pensions, protections and more. We dive deeper into each of these topics throughout this resource. Don't forget, you can always email us if you're not sure where to start: hello@vetyou.co.uk</div>]]></description>
         <enclosure url="" />
         <pubDate>2023-01-24 12:25:07 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454571356</guid>
      </item>
      <item>
         <title>Welcome students!</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454572484</link>
         <description><![CDATA[<div>All the resources in this padlet will help you get ahead of the game, starting with working out a budget/spending plan. We've brought together a few student based top tips and resources below.<br>Don't forget that often your universities will have resources, help sessions and support too. Find out more by searching "your university name + student financial support".</div>]]></description>
         <enclosure url="" />
         <pubDate>2023-01-24 12:26:11 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454572484</guid>
      </item>
      <item>
         <title>Income Protection</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454574489</link>
         <description><![CDATA[<div>What if we were suddenly injured and couldn't work? All vets know someone that was kicked by a horse, bitten by a cat or even broke their ankle in the park. Many contracts will not cover more than the minimum government sick pay (less than £100/week). Income protection is a policy that protects and covers your income if you suddenly are sick or injured. Watch our resources below to find out more.</div>]]></description>
         <enclosure url="" />
         <pubDate>2023-01-24 12:28:13 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454574489</guid>
      </item>
      <item>
         <title>Your Future Fun Fund</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454575857</link>
         <description><![CDATA[<div>When we ask our community, the number one thing they wish they knew when they graduated was to start their pension early. Watch the following resources and learn more!</div>]]></description>
         <enclosure url="" />
         <pubDate>2023-01-24 12:29:45 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454575857</guid>
      </item>
      <item>
         <title>Negotiation, Payslips, Packages - Arghhh!</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454577052</link>
         <description><![CDATA[<div>Don't worry - we've got you. Also head to the Your First 100 Days section in new grad finances to hear even more. Got more questions? Email us hello@vetyou.co.uk</div>]]></description>
         <enclosure url="" />
         <pubDate>2023-01-24 12:30:43 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454577052</guid>
      </item>
      <item>
         <title>Money Mindset</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454578482</link>
         <description><![CDATA[<div>Everyone has a different financial education, money story and relationship with money. Let's take the judgement off ourselves and know we can all learn more and change our actions around finances. </div>]]></description>
         <enclosure url="" />
         <pubDate>2023-01-24 12:32:11 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454578482</guid>
      </item>
      <item>
         <title>Podcast on Money Mindset</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454579868</link>
         <description><![CDATA[<div>In our VetYou podcast series with Borborygmi, check out this episode with coaches, Libby and Jenny</div>]]></description>
         <enclosure url="https://open.spotify.com/episode/3c1JQWsfRUtm4YaSGzTOQO?si=mxtij4sjTwGGJlM6YOyKTA" />
         <pubDate>2023-01-24 12:33:42 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454579868</guid>
      </item>
      <item>
         <title>Stories of Overcoming Debt</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454581417</link>
         <description><![CDATA[<div>We teamed up with Borborygmi to run a VetYou season, and in this episode Emma Davis and Louise Littler talk about overcoming debt.</div>]]></description>
         <enclosure url="https://open.spotify.com/episode/7mEd3DmO7N2zaC5HjoSFh1?si=ktJiYNEgRlyFXl7w4EuvRg" />
         <pubDate>2023-01-24 12:35:17 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454581417</guid>
      </item>
      <item>
         <title>Community Stories</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454582245</link>
         <description><![CDATA[<div>The veterinary community is an amazing place, and there are lots of people that are here to support you. Listen to some members of the VetYou community sharing their stories and experiences, and always remember, we're just an email away hello@vetyou.co.uk.</div>]]></description>
         <enclosure url="" />
         <pubDate>2023-01-24 12:36:10 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454582245</guid>
      </item>
      <item>
         <title>Side Hustler?</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454586297</link>
         <description><![CDATA[<div>Wondering if you need to declare your income? Need some help? We've got you covered again. If you're still unsure drop us an email hello@vetyou.co.uk and we'd be happy to connect you with an accountant and help where we can.</div>]]></description>
         <enclosure url="" />
         <pubDate>2023-01-24 12:39:49 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454586297</guid>
      </item>
      <item>
         <title>Thinking about a property?</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454587143</link>
         <description><![CDATA[<div>Exciting! Below are some resources around setting up your finances ready to start thinking about purchasing, and a session with a mortgage adviser to explain the process of buying.</div>]]></description>
         <enclosure url="" />
         <pubDate>2023-01-24 12:40:33 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454587143</guid>
      </item>
      <item>
         <title>What to protect?</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454590603</link>
         <description><![CDATA[<div>You've heard us talk about income protection so far, and we all protect our pets and cars, but what else might we want to put in place? Other policies exist, including: life insurance, health care cash plans, private health care, critical illness cover. The ones you need depend on your individual circumstances, drop us an email hello@vetyou.co.uk or book in directly with financial adviser Ruth, <a href="http://www.calendly.com/vetyouruth">here</a> - she also offers a free protection health check to assess your existing policies too. </div>]]></description>
         <enclosure url="" />
         <pubDate>2023-01-24 12:43:39 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454590603</guid>
      </item>
      <item>
         <title>Stories around Private Health Care</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454591816</link>
         <description><![CDATA[<div>Katie from VetYou and Borborygmi host Naomi Mellor (both vets) share their stories around private healthcare - and varicose veins.</div>]]></description>
         <enclosure url="https://open.spotify.com/episode/6R64x3SNW2jXUJwsgiWD2x?si=Hig5wMN5SL2GUCFcabgqMQ" />
         <pubDate>2023-01-24 12:44:44 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454591816</guid>
      </item>
      <item>
         <title>Finances for Chronic Health: A series</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454597621</link>
         <description><![CDATA[<div>We teamed up with the British Veterinary Chronic Illness Support CIC to help create a series of three webinars for those with chronic illness. We tackle myths around income protection and pre-existing conditions too!</div>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=2BACN7JysXo&amp;list=PL7UmiNTn_PRy7JkkMZHmzm7A1toAhRaH8" />
         <pubDate>2023-01-24 12:49:40 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454597621</guid>
      </item>
      <item>
         <title>We could go on forever...</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454600444</link>
         <description><![CDATA[<div>There's LOADS more, so keep an eye on this column as we add further resources. We also have lots of resources around locum work and accounting, so just drop us an email hello@vetyou.co.uk and we'll be happy to help.</div>]]></description>
         <enclosure url="" />
         <pubDate>2023-01-24 12:52:11 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454600444</guid>
      </item>
      <item>
         <title>Where could I put my cash?</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454601584</link>
         <description><![CDATA[<div>If you're in the fortunate position to have extra funds and resources, watch the following around how to make your money work for you. Investments can always go up and down, but seeking advice from a professional can be invaluable.</div>]]></description>
         <enclosure url="" />
         <pubDate>2023-01-24 12:52:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454601584</guid>
      </item>
      <item>
         <title>Check out our YouTube channel</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454603026</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.youtube.com/@vetyoucommunity5291/videos" />
         <pubDate>2023-01-24 12:54:15 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454603026</guid>
      </item>
      <item>
         <title>Savings &amp; Investments Webinar with Ruth Downs</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454603791</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.youtube.com/watch?v=UAIWoEcVF-U" />
         <pubDate>2023-01-24 12:54:53 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454603791</guid>
      </item>
      <item>
         <title>Questions around chronic illness and protection policies</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454604582</link>
         <description><![CDATA[<div>Check out the below resources, many of which were a collaboration with British Veterinary Chronic Illness Support.</div>]]></description>
         <enclosure url="" />
         <pubDate>2023-01-24 12:55:38 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454604582</guid>
      </item>
      <item>
         <title>83 Money Saving Tips for Students</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454611131</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.savethestudent.org/shopping/the-best-money-saving-tips.html" />
         <pubDate>2023-01-24 13:01:14 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454611131</guid>
      </item>
      <item>
         <title>Financial Planning with Alison Lambert &amp; Gudrun Ravetz</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454613847</link>
         <description><![CDATA[<div>Another community story, check in and we can help you connect with a financial professional hello@vetyou.co.uk</div>]]></description>
         <enclosure url="https://open.spotify.com/episode/5spC7LrOCiPnp7fupdPS0J?si=n14YRqMITc6wGOBDMsNd0w" />
         <pubDate>2023-01-24 13:03:42 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454613847</guid>
      </item>
      <item>
         <title>Vivan &amp; Rorythevet chat pensions!</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454615978</link>
         <description><![CDATA[<div>Note: The pension company, Raindrop, doesn't function in this way anymore - but the chat and the sentiment are still very much there. If we can help you with a plug and play pension provider, drop us an email hello@vetyou.co.uk</div>]]></description>
         <enclosure url="https://open.spotify.com/episode/3ACrFZ84HiRAwJggrFlTBY?si=lQ15k16jSTuU02WxAlMVuA" />
         <pubDate>2023-01-24 13:05:25 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2454615978</guid>
      </item>
      <item>
         <title>Income Protection: 20min snippet</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2455356842</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.youtube.com/watch?v=SfTGe7LYJWU&amp;t=2s" />
         <pubDate>2023-01-24 21:05:07 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2455356842</guid>
      </item>
      <item>
         <title>Bitesize 20mins on Investments</title>
         <author>katiefordvet</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2455357312</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.youtube.com/watch?v=OL24a4YnXz4&amp;t=911s" />
         <pubDate>2023-01-24 21:05:38 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2455357312</guid>
      </item>
      <item>
         <title>Money Matters for New Grads &amp; Students 2023</title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2458226103</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.youtube.com/watch?v=1nTBc85pGGI" />
         <pubDate>2023-01-26 21:20:09 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2458226103</guid>
      </item>
      <item>
         <title>Home Protector</title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2961731380</link>
         <description><![CDATA[<p>With Home Protector, they’ll pay your mortgage or rent paid, for up to a year if you do get too unwell to work in your job. Plus, a bit more on top if you need it.</p><p><br/></p><p>With no health or financial questions to answer, it’s quick and easy to buy too.</p><p><br/></p><p>When you buy your insurance, you’ll also get free access to a fantastic 24/7 GP service, for you, your partner and any of your children who are under 18 (all living at your address).You, personally, will also get free access to a second opinion medical service.</p><p><br/></p>]]></description>
         <enclosure url="https://vetyou.co.uk/home-mortgage/home-protector/" />
         <pubDate>2024-04-19 10:02:59 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/2961731380</guid>
      </item>
      <item>
         <title>Home Protector </title>
         <author>VSGD</author>
         <link>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/3202369436</link>
         <description><![CDATA[<p>As someone who works with animals, you’ll see every day that sadly they can have unexpected accidents or become ill.</p><p>It’s much the same for us humans. Ill health or an accident can happen to any of us, at any time. Out of the blue. Of course, we’ve got the added responsibility of bills to pay too.&nbsp;</p><p><br></p><p>Future Proof Ltd, leading protection specialists, are delighted to work with VetYou to introduce you to the Home Protector Product from Holloway Friendly.</p><p>With Home Protector, they’ll pay your mortgage or rent paid, for up to a year if you do get too unwell to work in your job. </p><p><br></p><p>Plus, a bit more on top if you need it.</p><p>With no health or financial questions to answer, it’s quick and easy to buy too. Watch our short video below to find out more!</p>]]></description>
         <enclosure url="https://vetyou.co.uk/home-mortgage/home-protector/" />
         <pubDate>2024-11-05 11:37:31 UTC</pubDate>
         <guid>https://padlet.com/VSGD/StudentAndNewGradVetYouResources/wish/3202369436</guid>
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