Telegraph Money 

The week's most important personal finance news, analysis and expert advice, from pensions and property to investment ideas and savings tips.

The Telegraph take

By Stephanie Baxter Deputy personal finance editor

Younger people like to say that their parents and grandparents had a much easier time when it came to saving their money or buying a house. Back then, you could earn more from interest and property prices were much lower.

That may be true, but it is also true that young people are lucky to benefit from low borrowing rates and, unlike their parents and grandparents, can count an entire household income towards their mortgage affordability.

So which is right – who had an easier time getting on the ladder? Telegraph Money gets to the bottom of the issue in our new series which sets out to answer that age-old question: which generation has had it easiest with money?

We compare four generations: baby boomers (born between 1946 and 1964), generation x (born between 1965 and 1980), millennials (born between 1981 and 1996) and generation z (born after 1997).

The first part looks at the struggles each generation has faced getting on the property ladder – read the article here to find out who has had it hardest. Over the coming weeks, we will also look at which generation came out top for savings rates and investment returns.

Speaking of generational wealth, Marianna Hunt has written her latest Millennial Investor column, revealing how her bets are performing nine months on. There's all this and plenty more stories, tips and advice on the Telegraph website, where you can subscribe for just 2 a week. It's free for 30 days. Try it here.

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Ross Denholm says of ‘Millennials spend a third of their salary on rent – here are nine ways to cut down the cost’: “Live at home with your parents if you can, and instead save some of the money which would have been spent on rent towards a deposit on a house. If you must move to London to boost your career and have to rent, then accept that you'll be renting privately for a very long time - unless you: win the lottery, find a partner you can bank on, inherit lots of money, or get a fantastically well-paid job (100,000 per annum absolute minimum).”

Raymond Jophnson says of ‘The inside story of how the Government's 13bn smart meter roll-out went off the rails’: “It's a technology project. It's being mandated by the British government. How much more doomed could it possibly be?”

Jack Buster says of ‘Barclays wants to close my 16-year-old’s bank account but won’t say why’: "I'm not exactly a fan of any bank, but if I had to pick one that has done more than any other to address the problem of transfer fraud, it would be Barclays. I've been deeply involved in counter-fraud for several years and back in 2013/14/15 Barclays was by a country mile the bank of choice for laundering money by organised crime gangs associated with online vehicle scams. Then in 2016 the bank did something about it. They've moved from having 70pc of 'the market' to less than 10pc."

Contact us: to pose a question to our team of expert reporters, email moneyexpert@telegraph.co.uk. If you'd like a free financial plan, email money@telegraph.co.uk with the subject 'Give me a Money Makeover'.

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