You'll need to work out how much cash you have coming in, including your student loan, any grant, any cash from parents and any work income.

Everyone who works remotely must figure out when to work, where to work, and how to create boundaries between work life and personal life.

Stamp duty is a much-debated issue affecting the UK housing industry. Homebuyers must pay the tax on any property purchase above a certain level, with exceptions for first-time buyers.

The base rate is the Bank of England's official borrowing rate - ie, what it charges other banks and lenders when they borrow money - and it influences what borrowers pay and savers earn. But interest rates have generally been at historic lows since the 2008 financial crash.

The planning statement described Bramley-Moore Dock and Ten Streets as an "underutilised area", adding: "This site is well-located within the Northern Docks, close to sustainable access options and existing and proposed commercial and leisure opportunities.

Faster internet speeds and joined-up computing will make transferring and backing up large files much quicker and easier, and let widely-used companies and services, like Google Docs, Gmail, Adobe and Skype, use the cloud to seamlessly provide their products and interact with customers.

The result could be that Northern is taken into new hands, whether by another franchisee, or an operator of last resort (OLR), under public ownership similar to the East Coast rail franchise that existed from 2009 to 2015, and which helps run the LNER service today.

Wates Construction, the contractor appointed to build Liverpool City Council’s new Cruise Terminal Hotel, has submitted a detailed planning application for the new development, which forms part of Peel and Land Property’s Liverpool Waters, the city’s major waterfront regeneration scheme.

The second phase of the Central Docks neighbourhood – Park Central – is set to be officially launched on 8th September by property investment company BuyAssociation and developers Romal Capital.