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Complaints
Every doctor has complaints made about them. These can be about your clin­ical ability, conduct, or communication skills. They may be justied or spurious but they are inevitable, therefore do not feel your world has fallen apart when you are told a complaint has been made aboutyou. Seek advice from the relevant senior and support from clinical and educational supervisors.
How the system handles complaints There are two types of
complaints— formal and informal. If a patient complains to you informally it is in everyone’s best interest, and will save many hours of clinical time, if you are able to resolve the situation to the patient’s satisfaction there and then. If you are unable to do so, but feel the problem may be solvable by more senior input, then call for help. Don’t agree to do something which you are unable to carryout.
How torespond toa complaint
• All formal complaints are collated centrally in the hospital. In the rare
event you are sent a complaint personally, do not respond but pass it to the complaints department. In most trusts, the department that handles complaints is known as PALS (Patient Advice and Liaison Service). They also provide more general advice and support for patients
• If a patient makes a complaint to you about care they have received
from a colleague (doctor, nurse, or other) then listen to them but try to avoid appearing to agree or support their position, no matter how much you may share their opinions. Depending on the seriousness of their allegations (Box .4), either oer to feedback the comments or advise them to discuss matters further withPALS
• If a complaint has been made about the care of a patient you saw, you
may be asked for a statement. This is an internal document and should be written as a letter, but bear in mind that if the case goes to court, this document could be requested by the patient’s lawyers
• Simply state the facts as you see them, do not try to apportion blame.
You may be able to expand on your notes, particularly the details of conversations which may not have been documented
• Do not take it personally
• If you feel it is clear how any error could be avoided in future then state
this as well. Patients are often satised by knowing that any mistake they suered will not be repeated forothers
• All the statements made by the sta involved are then collated and a
letter is written on behalf of the chief executive (and usually signed by them) to the patient. This usually ends thematter
• There are further steps, both with the trust and then regionally, if this
is not enough.
Box .4 Seriouserrors
• Preventable death of a patient
• Signicant harm to a patient, in a predictableway
• Disciplinary oences including:
•
substanceabuse
•
being drunk onduty
•
sexual/ racial harassment.
33COMPLAINTS
34 CHAPTER  Being adoctor
Incident reporting
Clinical incidentsThese are denedas:
• Anything which harms patients’ care or disrupts critical treatment
• An event which could potentially lead to harm if allowed to progress
(‘near misses’). They range from minor incidents, eg incorrect results, to life- threatening, eg wrong blood group in a blood transfusion.
Non- clinical incidentsThese include:
• Incidents which involve sta, relatives, or visitors
• Incidents which involve non- clinical equipment or property.
The aim of incident reporting is to highlight adverse incidents or ‘near misses’, assess them, and review clinical practice as a result. Ultimately it is designed to reduce clinical risks and improve overall quality of patientcare.
When a clinical incident/ near missoccurs
• Make sure the patient issafe
• Complete a trust critical incident reporting form (usually online)
• Forward the form to the clinical risk coordinator (usually automatic if
form is electronic)
• Ensure your seniors are aware of what has happened
• Consider completing some formal reective practice in your ePortfolio.
Examples ofall- too- common clinical incidents
• Blood samples from two dierent patients being confused
• Failure to report or follow up abnormal results
• Equipment failure
• Drugs prescribed to patients who have a documented allergy
• Delay in treatment/ management.
Completing incidentforms
• Fill in an incident form as soon as you can after the event so that you
don’t forget any relevant information
• Check you are lling in the correct form. All NHS trusts now use online
incident reporting systems though there may be paper backups
• Include the time, date, sta involved, as well as the issues being reported
• Check if the named consultant needs to ll in/ sign theform
• If you are reporting an incident involving your colleagues, inform them
and explain the situation. Learn from their mistakes without judgingthem.
The critical incident form is copied to clinical risk directors for evaluation at panel meetings, where changes to clinical practice are discussed.
Hints andtips
• If a critical incident form is led involving yourself, don’t assume
you’re a bad doctor; use it as a learning experience
• Find out the reason and circumstances and clarify the situation with the
person ling thereport
• Go over the incident and review your actions, asking if there is
anything you would change; if it helps, discuss it with a colleague.
4
See Mhttps://www.england.nhs.uk/wp-content/uploads/202/0/Final-update-NE--April-209-
3-March-2020.pdf for a list of events that should
14
never happen (but sadly, still sometimesdo).
Colleagues and problems
Many of us may have worked with a colleague who worried us professionally— ‘I wouldn’t want to be treated by Dr X’. When does this become enough to do something? And what do youdo?
Clinical incompetence
• The GMC is quite clear that we all have a clinical duty to report
colleagues who we believe to be incompetent. This does not equate to pointing out every fault of every other doctor but it does mean that you cannot ignore serious concerns if you believe patients are at risk ofharm
• Serious concerns about a trainee should be passed to the relevant
consultant. Ask to see them in private. It may be easiest to open the conversation with a question, to ask them to put your mind at rest:
‘I don’t know if you are aware that Dr X does not use chaperones? I’ve always been told we should use them for intimate examinations. I’m here because two women told me that they had felt uncomfortable withDrX.’
• If the problem is with a consultant then you should either talk to
another consultant or, if it is very serious, the medical director
• If you are unsure whether a problem exists, or how serious it is, then
talk to a friendly consultant informally (eg your supervisor or a clinical lecturer you got on with at medical school).
Recreational drugs/ alcohol
• There is a clear dierence between a doctor occasionally drinking
too much while o- duty and one who helps themselves to controlled drugs or who has developed an alcohol problem
• Likewise, regardless of substance, there is a dierence between what
someone does that only aects themselves and actions which aect quality of patient care. Any colleague who appears on duty while badly hungover is a potential risk to patient care and should be removed from clinical duties (and should be encouraged to recover in the mess or go home). Repetitive behaviour of this kind should be discussed with the colleague, and/ or their educational supervisor
• Drinking during working hours, arriving drunk, or use of controlled
drugs are totally unacceptable and you have a duty to alert your consultants to any such problem. They will consider the GMC guidance and following a meeting with the individual involved will decide if GMC referral is appropriate or if a local warning and period of ‘probation’ is needed, These problems are better tackled early while solvable than left until they cause patient harm and ruin a career.
Psychological problems
• Every year, doctors develop serious psychological illnesses just like the
rest of the population and doctors are just as bad at self- diagnosis
• The more common problems include frank depression and hypomania,
the rare include psychosis and schizophrenia (E p. 404); the symptoms often come on gradually such that even close colleagues may not notice the transition from mildly eccentric to frankly pathological
• Depression is commonly masked well while atwork
• Talk to an individual directly, or their consultant, if you are concerned
about their health.
35COLLEAGUES AND PROBLEMS
36 CHAPTER  Being adoctor
Hating yourjob
Experiencing problems at work is common and usually transient. If you nd things do not improve, try to identify the problem. However di­cult things are at work, you should always remain polite, punctual, and helpful. If you don’t, you may be the one perceived to be the problem.
Stress at the workplace The responsibility that comes with being
a doctor, the demands of your job, fear of litigation, and high expect­ations from peers and patients can leave you physically and mentally exhausted. If you feel things are getting on top of you, reassess your workload. Speak to colleagues to nd out if there are easier ways of doing things. Take annual leave and upon your return approach your work schedule dierently to help regain control of things. Ensure you have time to relax away from work and keep up your outside interests. If things don’t improve, talk to a friend, contact the BMA (E p. 628) for advice, or discuss the situation with a trusted senior or mentor.
Handing inyour resignationIf you can nd no other option and
you are clear medicine isn’t for you, you can always leave your job. Find out how much notice you are required to give and who to direct your letter of resignation to. During your last weeks, stay an active member of the team rather than taking a short- timer’s attitude. Complete any outstanding work and tidy up loose ends before leaving.
Bullying at work Bullying can be from your seniors, peers, other
healthcare professionals, patients, or their relatives. If you feel you are being bullied, discuss it with someone, either at work or independently (eg the BMA). Speak to your predecessors to nd out if they had similar diculties and how they handled the problem. Keep a diary of relevant events, together with witnesses, and approach your consultant. If it is your consultant who is the problem, approach another consultant you trust or contact BMA counselling (Ep. 628).
Sexual harassmentThis may start very innocently and gradually es-
calate into intimidating behaviour which may aect your work, social life, and condence. In the rst instance, make it clear that their advances are not welcome and conde in someone you trust. Find out if other colleagues are also being harassed and report the harassment to your educational supervisor. Again, the BMA can be a useful source of advice.
Discrimination All employers must abide by an equal opportun-
ities policy that includes standards on treating all employees. Before deciding to take things further, conde in a trusted senior colleague. Keep a record of any events that stand out as being discriminatory, documenting dates, times, and witnesses. Contact the BMA for advice. You may have to submit a formal letter outlining your concerns, so make sure you are prepared to pursue a formal complaint before committing yourself onpaper.
Relaxation
Have a breakThere are few problems that must be solved immedi-
ately. Leave the ward, ask someone to hold your bleep, and take 5min to unwind. Take deep breaths and concentrate on the feeling of the air rushing in and out of your lungs. Count the breaths and try to clear your mind. Try squeezing the muscles in your feet then feeling them relax; do this with all the muscle groups from your legs to your neck. Think about something you are looking forwardto.
Do not let medicine take over your life. In particular, value and cultivate your non- medical friendships— these can be hard to sustain under the strains of shiftwork but you will value an external perspective on life be­yond the NHS. It may not take much to make life seem better; tryto:
37RELAXATION
• Go forawalk
• Watchalm
• Go shopping
• Exercise
• Watch acomedy
• Take a longbath
• Go out for a meal
Try toavoid:
• Smoking
• Excessive alcohol
• Talk to friends
• Watchsport
• Playagame
• Have a goodcry
• Go to thepub
• Have a massage
• Cook
• Drugs/ sleeping tablets
• Excessive caeine.
• Plan a holiday
• Talk to parents
• Have alie- in
• Listen tomusic
• Have an earlynight
• Join a class/ club
• Read (another) book.
Causes ofstress
AttitudeThere is no point worrying about things you have no control
over; it is natural to feel concerned about future events but almost every­thing will turn out well in the end, even if it is not as you have plannedit.
ThejobSee E p. 9 on being ecient. The job gets much easier with time;
these skills become second nature and you perform individual tasks quicker.
Yourself Be honest with yourself:are you tired? Everything is harder,
slower, and more stressful when you have not had enoughsleep.
Think about what makes you stressed and whether this is a problem with your attitude, the way you do the job, other people, or the nature of the job. Try to accept, change, or avoid these stressors.
Otherpeople If someone is annoying you then consider telling them
so. Plan how you will tell them, do it in private, and do not blame them; just explain how it makes you feel. Most people will be apologetic and try to change.
2If you feel it is all getting too much and/ or nobody cares, try speaking to:
BMA counselling (you don’t need to be a member) 08459 200 69
Samaritans 08457 90 90 90
38 CHAPTER  Being adoctor
Pay and contracts
Junior doctors’ contract In August 207, the new junior doctors’
terms and conditions of service replaced the previous 2002 contract (updated in 2008) in England. The most signicant changes were pay in­crements remunerating responsibility rather than time served, new safe­guards against poor training and overwork (Box .5), and an extension of normal working hours until 9pm on weekdays. However, many details were contentious and despite concessions on both sides, sticking points remained. As a result, the country bore witness to unprecedented indus­trial action (Box .6). Employers, trainers, and trainees are still getting to grips with the details. You should read your contract carefully as we provide only a summary, the details are important, and your seniors may be quite unfamiliar with its intricacies. Note that Scotland, Wales and Northern Ireland remain on the 2002 contract.
Box .5 Limits onworkinghours
• Employers and doctors are responsible for doctors’ safe working
• Limits on hours include no more than 48h work during the average
working week (56h if opted out of the European Working Time directive), or 72h in any 7d stretch. The average working week is dened as starting at midnight between Sunday and Monday, is averaged over 26wk, and includes locums (Ep. 40)
• Mandatory h rest between shifts, with time o within 24h ifless
• No shift (except non- resident ‘availability ’ shifts) should exceed3h
• Consecutively no more than 8d of work, 5 long shifts (0h+), 4 long
shifts that nish after pm, or any 4 shifts that include 3 of the hours between pm– 6am (with 2d mandatory break aftereach)
• 30m break during a 5h shift or 2 during a 9h shift; not within an hour of
starting/ nishing, ideally in the middle, and can be merged intoh
• Safeguards are there for breaches or inadequate training (Ep. 39).
Pay arrangements The following elements vary depending on your
rota but are added up to generate your salary (EFig. . p. 4):
Basic salaryDepends on grade and responsibility, based on 40h/ wk. Additional hoursAn allowance for up to 8h extra perweek. Weekend allowanceA % added to the basic salary depending on the fre-
quency of weekends worked (3% for  in 7, 0% for in2).
Night duty37% on top of the basic salary for hours worked 9pm– 7am. Availability allowance8% on top of the basic salary for when you can be at
home but may be telephoned for advice or called in towork.
Flexible pay premia Supplements for those in GP, academic, oral and
maxillo- facial, and hard- to- ll programmes to support workforce devel­opment, time out of training, and/ or the extra degrees required.
Exceptional pay premia Supplements for activities of broader interest to
the NHS (eg time out of training to assist in public health crises).
Pay inexceptional circumstancesMoney received from nes (Ep. 39). Pay protection A cash oor to protect the wages of doctors already in
training programmes when the new contract started in 206/ 207.
Safeguards These protect against poor training and excessive service
provision:
Work schedule Contractual plan for your service provision and training
provided by trusts and agreed in advance with your supervisors.
FinesDepartments are ned at 4× the hourly rate if doctors are worked
>48h during the average working week (Box .5), >72h in any con­secutive 7d, or have <8h rest between consecutive shifts. Contractual breaches not meeting these criteria are reciprocated with time o or pay for all work done. Complete an ‘exception report’ as soon as possible.
Exception reporting The way of informing trusts when work varies from
the agreed schedule (eg dierences in hours, breaks, patterns, training, or support). If patient safety is at risk, it must be raised at the time to the responsible senior clinician, otherwise electronic forms distribute the de­tails and should be submitted within 4d (7d if claiming pay, 24h if patient safety breach). Outcomes may be nes, extra income, time o, a work schedule review, or system change.
Work schedule review To ensure that schedules remain t for purpose.
Triggered in writing by doctors, supervisors, employers, exception re­ports, or the guardian of safe working hours. If dissatised, escalate to a level 2 work schedule review and then a ‘formal grievance procedure’.
Guardian ofsafe working hours (GOSWH)‘Independent’ champion of safe
working hours (but employed by the trust, and approved by junior doc­tors). Responsible for escalating working hours problems to senior management, distributing money from nes, and reviewing exception re­ports. Accountable to junior doctors and the executiveboard.
Junior Doctors’ Forum A forum for junior doctors to raise concerns and
decide on the allocation of nes (from nes, .5× basic pay goes to the individual and 2.5× to training/ trainees). Made up of elected junior doctor representatives, the GOSWH, the chair of the local negotiating committee, and the director of postgraduate education.
Director ofpostgraduate educationResponsible for training in the trust.
39PAY AND CONTRACTS
K Box .6 The junior doctors’ contract dispute
Employers and employees both want improved patient care and keeping contracts up to date with the demands of current healthcare is part of this. In England, negotiations between the BMA and employers began in 202, continuing on and o for 3years. By 205, the Secretary of State for Health Jeremy Hunt threatened to ‘impose’ a new contract as the debate became increasingly political and emotional. This contributed to a response from junior doctors that culminated in an overwhelming majority vote for strike action. In total there were 8d of industrial action, and the rst withdrawal of emergency care ever in the UK. By late 206, the dispute drew to a close, with lasting damage perhaps done to morale and reputations on both sides. Years later, in 2023, against a backdrop of the global pandemic and a cost of living crisis, junior doctors (and senior colleagues) across the UK took to the ballot again. While the BMA in Scotland and Wales has secured some concessions from the respective devolved administrations, industrial action continues in England, where the outcome, at the time of writing, is far from clear.
40 CHAPTER  Being adoctor
Making moremoney
There are several ways to make money in addition to your basic income (Fig..). You must keep records of all additional income and declare these in your self- assessment to the Inland Revenue at the end of each tax year.
Research There are usually several research projects being undertaken
in most hospitals which require volunteers. These range from a 5min inter­view to a week- long study and in most circumstances the volunteers are re­warded nancially (eg £5 to >£000). These may carry a risk ofharm.
LocumsMost hospitals employ locum doctors to cover sta sickness or
busy periods. They can be internal or external. Internal locums have their substantive post at the hospital and are working additional hours from the NHS sta bank. External locums are working away from their base hospital (or do not have one), often on behalf of private locum agencies. There are many locum agencies that you can register with; they are often advertised in BMJ Careers. To reduce spending on locums, two key measures have been introduced. The rst of these, caps on total hourly rates, seems to have had little success. The capped rates are much lower than those previously oered such that trusts that enforce them have a much harder time lling rota gaps, resulting in unlled slots and increased strain on other doctors. An ‘exceptional circumstances’ clause allowing the cap to be broken has been widely used by many trusts, with several continuing to pay rates similar to or above those oered before the introduction of the cap. Rates of pay will vary and can still be negotiated, but an F can expect pre- tax rates of £20– 30/ h, and F2s £25– 35/ h. The second new measure is a clause in the 206 junior doctors’ contract specifying that those doctors planning to take locum work must initially oer their services for the proposed shift time to their employing trust sta bank. The trust must respond in a timely manner indicating if they require the doctor’s services. The doctor is under no ob­ligation to take any extra shifts on, but would not be able to take an agency locum if the trust had oered sta bank work at an appropriate level (not a lower grade). Importantly, you should discuss locum shifts with your super­visor and include them in your work schedule to ensure contractual limits on individual and average weekly working hours (48h or 56h depending on if you’ve opted out of the EWTD) are not exceeded.
Cremation certicates The cremation form has two parts
(E pp. 250–). Historically these were completed by junior doctors (usu­ally the F) but this is no longer the case in all trusts. Junior doctors are paid around £80 for completing the form. The bereavement oce handles the forms and issues any cheques. Make sure you see the body, checking identity and that there is no implantable device that needs removing (E p. 250); they really do explode if incinerated.
GiftsThe GMC is clear in its message that you should not encourage pa-
tients or their families to give, lend, or bequeath gifts to yourself, others, or to organizations. as long as it has negligible nancial value. If you are given money, then pass this to the ward sister to put into wardfunds.
5
Mhttps://www.gov.uk/topic/personal-tax/self-assessment
6
M https://www.gmc-uk.org/ethical-guidance/ethical-guidance-for-doctors/good-medical-practice
6
If you are given a gift, then it is acceptable to take it
5
Always check your payslips carefully, before storing them safely: make backups of electronic payslips and never throw paper copies away. They can be a useful record of tax, pension, and loan payments long after you have enjoyed spending the money. If you think a mistake has been made, contact the salaries and wages division of the HR oce for your trust, quoting your assignment number (employee number). In the event of signicant underpayment, you can request an interim payment be made pending the resolution.
Fig.. A sample payslip.
This is the total annual basic salary for your nodal pay point (‘’ for Fs, ‘2’ for F2s). Latest updates are released as
‘Pay Circulars’ on the NHS Employers website Mwww.nhsemployers.org
2 This is the date when you are next due to go a point up the pay scale, usually 2 months of full time employment after your previous
date (or date of rst starting working as a doctor). When changing trusts mistakes can be made so always check this date is correct.
3 Your tax code shows the amount of income you are entitled to earn in the current tax year that you do not pay any tax on. This
gure should be multiplied by 0 to give your total allowance. This will be the basic personal allowance for the tax year, as set by the government, adjusted to take account of any under- or over-payments you may have made in previous years. Each tax year runs from April to April. After your rst tax year in paid employment, you will receive a P60 summarizing your tax paid during that year with the code that should apply to you in the next tax year. A copy should also be sent to your trust, but if you move trusts around this time, the new trust may not receive the correct information unless you show them your copy of the P60. If your new trust does not know the correct code for you, they will use an ‘emergency’ code, set as the basic personal allowance, which may or may not be correct. The letter after the code should be an ‘L’ unless very specic circumstances apply to you. See also Mwww.hmrc.gov.uk
4 This will be approximately /2 of your basic annual salary. 5 This lists the pay you receive on top of your basic pay for additional hours over 40h, nights, and weekends. Details of how these
are calculated are provided in the pay circulars and related junior doctor contract information available from the NHS employers website. Do check that the medical stang department have provided correct details of your rota to the payroll team since early evidence from the introduction of the new contract would suggest a number of instances of errors in this regard.
6 Under the ‘Pay as you earn’ scheme (PAYE), your trust will automatically deduct your tax from your income each month. Both
your basic pay and your pay for additional hours, nights, and weekends are taxable. In your rst few months of employment, you may not pay any tax until your income has risen above the personal allowance for that year. Enjoy this while it lasts!
7 National Insurance (NI) contributions pay for certain state benets, including your state pension. These are not optional, and
will be deducted automatically, according to thresholds. The current rate is 8% of income over £23/week, though this is subject to annual review.
8 The NHS pension scheme remains a very good deal, although terms and conditions have been changed signicantly
in recent years and are subject to further negotiations. Your pension contributions are not taxed and will also be deducted automatically according to various earnings thresholds, unless you opt out of the scheme. Pension contri­butions are calculated from your basic pay (including any London weighting)—pay for additional hours, nights, and weekends is not subject to any deductions. See also Mwww.nhsbsa.nhs.uk/nhs-pensions
9 Repayment for any student loan is taken automatically from your pre-tax earnings when your income reaches a certain threshold.
Although the landscape around tuition fees, repayment thresholds, and interest rates is constantly changing, in 2023/2024 the minimum contribution is 9% of earnings above the threshold. Specic thresholds and repayment timings then depend on Student Finance organization. If you applied to Student Finance Scotland or Northern Ireland, or Student Finance England or Wales and started before  September 202, repayments start in the April of the rst year after you graduate (the start of the nancial year) and are taken from any pre-tax earnings above an annual threshold of £24,990. In this case payslips before April in the rst year after you graduate may not contain loan deductions. If you applied to Student Finance England or Wales but started on or after  September 202, student loan contributions are taken as soon as you graduate on any monthly pre-tax earnings over £2,274. You can repay faster if you wish. Keep a record of all payments you make and check them against annual statements. Errors are common when changing trusts. Payments that appear to have gone missing can be credited to your account easily if you can provide a copy of your payslips. See Mwww.studentloanrepayment.co.uk
0 The numbers in this section will keep a tally of your total payments from that employer during the current tax year. If
you change trusts, the numbers will be reset, but your tax thresholds should not be.
 Your NI letter reects the contribution group you fall into. For almost all of those in the NHS pension scheme, this will be ‘A’. 2 Pensionable pay does not include any pay for additional hours, nights, and weekends. 3 Pay dates will vary between trusts but are generally around the last Thursday in the month. It can be dicult to get
paid on time at the start of employment with a new trust.
4 Trusts will transfer the money into your bank account by BACS transfer. These can take up to 3 working days. 5 Your taxable pay includes your basic pay (including London weighting) and pay for additional hours, nights, and week-
ends, less any pension contributions.
6 Don’t get too excited by this number… 7 … and try not to get too sad about this one… 8 ... because this is what you’re going to have to spend until next month comes around.
41MAKING MORE MONEY
42 CHAPTER  Being adoctor
Money anddebt
The level of medical graduate debt has increased markedly in recent years. New FP trainees from England can expect to owe ~£45,000 in tuition fee loans, sometimes up to £80,000 if you include maintenance
7
loans.
Financial management priorities have therefore changed drastic­ally. This section is not comprehensive but aims to give some important pointers and warnings.
Debt clearanceMost graduates have three dierent types ofdebt:
Short term High- interest debts (eg credit cards ± overdraft, if at
1.
full charge). Pay these back rst and as fast as possible. Try not to extend them just because you have anincome
2.
Medium term Commercial loans (eg a high street bank graduate
studies loan). These should be paid back next, as spare fundsallow
3.
Student loans At (relatively) low rates of interest— pay these back
last. Usually it does not make sense to overpay— seek advice.
Pay close attention to the annual percentage rate (APR) and charges at­tached to any loan arrangement. Interest- free loans or credit cards can help in the short term but ensure you don’t get saddled with a high APR later. Loans are a competitive market so shop around— especially for something like a car loan where the car dealer rarely oers the best rate. Think ‘total cost’ not just ‘monthly repayments’.
Some basic rules fornancial planning
Short termClear debts with the highest interest as soon as possible. Medium termTry to accumulate a safety net of ‘emergency savings’— the
amount needed will vary with individual circumstances.
Long termThe NHS Pension Scheme remains an attractive option at pre-
sent and you will be automatically enrolled in it unless you opt out. With this taken care of, you could think about trying to save for the deposit on a property (even if just £00/ mth). Home ownership is an attractive option if you can raise a deposit. Bear in mind that there are large up­front costs to house buying (eg legal fees), you will be responsible for all maintenance, and will not be able to take the property with you when you move to another part of the country.
Financial advice Since you now have a salary that increases incre-
mentally and is virtually guaranteed for life, nance companies will swarm round you like wasps round jam. Beware of some very slick sharks— their aim is only to get you to buy their products. There is no altruismhere:
• Truly independent nancial advice is hard to obtain— ask how
independent they reallyare
• Firms must now show what commission will be received for any
product you choose, both to the individual who sold it to you as well as to their company
• Do not buy from the rst or most persuasive salesperson, but take
your time to consider what you really want andneed.
7
Ercolani MG, etal. The lifetime cost to English students of borrowing to invest in a medical
degree:a gender comparison using data from the Oce for National Statistics. 205;5:e007335.
BMJ Open