Pub manager Terri is stuck paying rent and fears she will never save enough to buy her own home.

That's the premise of the first in a new weekly Money Makerover column in The Sun.

This weekend they published the story of 25 year old pub manager Terri (full disclosure, a friend of mine) and asked for my comments on how she might get off the rent train and onto the property ladder.

This is a pretty common challenge for people in their 20s and 30s, especially in London and the South East of England.

The combination of paying high rents and constantly rising property prices makes it difficult to save enough for a deposit.

In my answer I refer to the 50/30/20 rule of thumb, which could help Terri allocate her income each month towards the essentials, discretionary spending and saving for the future or repaying debt.

I also talk about the Help to Buy equity loan scheme and new Lifetime ISA; both of which could help Terri save for a deposit and get on the property ladder much faster.