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Brits have revealed the advice they would give their younger selves – including investing in property as early as possible, taking more photos and not being afraid of rejection when asking someone out. A survey of 2,000 adults found 58 per cent would love nothing more than to give the younger version of themselves some good tips. Those surveyed said they would look after their physical health more, avoid wasting their time on negative people and learn from their mistakes. The top 20 list also included recommendations to save 10 per cent of your wages every month, spend more time with your parents and celebrate the little wins. But while 67 per cent would offer financial words of wisdom, 82 per cent felt positive knowing every decision they’ve made has led them to the point where they are now. And the same percentage (82 per cent) wanted to live their life with no regrets. AXA UK commissioned the study as part of its ‘Future You will thank you’ campaign which looks at how our future selves will thank us for the good choices we make today and reveals the decisions people are most thankful for. Scarlette Douglas, former A Place in The Sun host and I’m A Celebrity contestant, is taking part in the campaign discussing the forks in the road which led her to a career in television. She has contributed to an eBook revealing more of these insights from celebrities and the public. Scarlette said: “I had been performing in musicals for eight years when I made what I feel was a great decision at that point in my life, which was to move away from theatre and pursue a different career in television presenting. “I finished my last musical in 2014 and in 2015 I landed an amazing job as a presenter for A Place in The Sun – I had my first presenting role on a Channel 4 show. “I’ve now been in television for eight years and if I didn’t take a leap of faith and make that decision to leave musical theatre and pursue television, I would never be where I am now.” The study also found buying a house as soon as possible, getting married and heading off abroad were some of the things people are most grateful to their young self for. But when it came to regrets, 39 per cent had at least one big one in their life. Of those, 56 per cent said these were romantically linked, while 35 per cent had health-related regrets. Others spoke about how they wish they got to know parents and loved ones better before they passed away. Although 27 per cent had learnt from some of the regrets their parents had experienced. Architect and TV presenter George Clarke is also involved with the campaign and spoke about his first home. He said: “When I bought my first ‘grown-up’ house it was a wreck and definitely a building project. “We had to live in it while we did the work bit by bit over the course of three years – it was a major project and at the time we didn’t have a lot of money, so it was work, earn, do building work... repeat. “It was a major refurbishment and what made it even harder was our child was born during the build too. All of it was a big risk, especially a financial one. “The house looked amazing when we completed it, and although we loved it the financial pressure and the length of the build took its toll and we made the decision to sell. “We were very lucky with the sale and we were able to buy another house just a few hundred yards from the one we’d sold – that project began the journey of setting ourselves up for life.” The research also revealed that dropping a phone down the toilet, having to pay hefty vet bills and having their home flooded were the situations where people regretted not getting insurance. There was a desire among those surveyed, by OnePoll, to say yes more often, with people wanting to experience new travel and holiday destinations (46 per cent), new social activities and plans (35 per cent) and new friendships (34 per cent). Jason Fox, TV broadcaster, former UK Special Forces soldier and Royal Marines Commando, is also taking part in the initiative. He said: “When I left the marines after 20 years of service, I suffered from PTSD and had to learn to look after my mental health. “I realised I could also be useful in the civil world, by showing others that mental wellbeing is a strength, not a weakness. “When I was able to, the best decision I made was to invest in my mental health initiative and organisation ‘Rock 2 Recovery’ to support others in similar situations.” Tara Foley, AXA UK’s CEO, said: “Every decision we make impacts our future, from the biggest life choices to the smallest. “The findings show most people are pretty happy with the majority of decisions they’ve made, but they wouldn’t be averse to going back and giving their younger self a bit of guidance to influence how things turned out further down the line. “It’s encouraging that so many people say they aren’t living their life with regrets and it’s good to see a real desire to experience new things and push the boundaries, such as visiting far-flung places or trying new activities. “Making sure you’re always covered for every eventuality – whether it’s car, home, business or health insurance – means you can take on whatever life throws at you without worrying about unforeseen consequences or unexpected financial challenges.” Top 10 pieces of advice many people wish they could tell their younger self: 1) Be more confident 2) Try not to care what other people think 3) Don’t let opportunities pass you by 4) Look after your physical health more 5) Don’t waste time with negative people 6) Learn from your mistakes 7) Save 10 per cent of your wages every month 8) Eat healthily as it will pay dividends down the line 9) Go on all the holidays you can 10) Invest in property as early as you can 11) Don’t just settle for things 12) Just relax and enjoy the ride 13) Look after your mental health better 14) Spend more time with your parents 15) Celebrate the little wins 16) Take more risks 17) Don’t be afraid of rejection when asking someone out 18) Always be there for your mates 19) Take more photos 20) Be disciplined with your time Read More Brits are so fed up with emails that retail giants now send reminder letters Adults are eager to explore the world alone over the next three years, study finds Study finds more people are moving into high flood zones, increasing risk of water disasters Chris Hemsworth shares big life changes after ‘shocking’ health warning How to get rid of bedbugs: Signs and symptoms amid threat of UK invasion I have felt the shame of infertility – it’s why I started a club for women like me

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In a nutshell: Fine food and relaxation in a wonderfully serene part of the world The neighbourhood Loch Fyne Hotel and Spa sits waterside on the banks of Scotland’s longest sea loch in the western region of Argyll and Bute. Situated a 65-mile drive from Glasgow, this picturesque route skirts Loch Lomond before taking the meandering A83 through the dramatic Arrochar Alps mountain range. Big skies, wide open space and the undeniably peaceful feeling of being beside this Atlantic Ocean inlet make this special part of the world the ideal sanctuary for those seeking some R&R. While the hotel benefits from feeling very much away from things, it’s actually only a 10-minute walk from the small town of Inverary with its gothic 18th-century castle and excellent walking trails (hike to Dun Na Cuaiche for a breathtaking view). Don’t leave without a pint of local ale in The George Hotel. Read more about UK travel: The best hotels in Loch Lomond The best Christmas breaks in the Lake District Best beach stays in the UK and Ireland: Hotels, cottages and more The vibe Think Highlands hunting lodge with a warm Scottish welcome. Built in 1856, this historic building was known as Admiralty House during World War II, when it became the only place outside London to be used as a wartime cabinet office, with visitors to the building including King George VI, Winston Churchill and General De Gaulle. It found a second lease of life in 1945 when it was transformed into a hotel. Traditional gold-framed portraits of Scottish nobility, tartan carpets and tweed furnished seats in colours inspired by the surrounding natural environment are very much the aesthetic, although a 2019 refurbishment to rooms and a brand new spa has introduced a more contemporary feel to proceedings, with marble tables and plush furnishings. Bed and bath There are 68 rooms, ranging from Petite Doubles to one of four suites in the hotel’s oldest wing; Glen Ord and Lagavulin both have feature windows with stellar views across the loch. Vintage touches include rotary telephones and vintage DAB radios, while welcome trays include Tunnock’s tea cakes, mineral water, coffee and a selection of teas courtesy of The Wee Tea Company. White subway-tiled bathrooms contain rainfall showers, while suites include freestanding bathtubs and his and hers sinks. Sustainable locally made toiletries are provided courtesy of The Highland Soap Company, while fluffy bathrobes and soft slippers come as standard for elevated lounging. My Shackleton bed was blissfully comfortable, with quality mitre linen keeping me cosy throughout the night. Food and drink Kick things off with a wee dram in the cosy Loch View bar. In addition to cocktails, spirits and wine, there’s a good selection of local beers and an impressive selection of whisky. Squishy leather sofas, marble tables and a fireplace make this the perfect place for a tipple with a view thanks to the floor-to-ceiling windows looking over the loch. Cladach Mòr Bistro is an AA rosette awarded restaurant with a focus on Scotland’s excellent produce and with Loch Fyne internationally renowned for the quality of its seafood, it’s the ideal place to dive in. Produce is sourced locally (but of course), with a dream selection of seafood and meat, meaning it’s not the best option for vegetarians and vegans. Langoustines were succulent and bouncy, scallops tender and lemon sole delicious. The venison was also an absolute treat and beautifully cooked. Staff were knowledgeable and warm. Public areas Significant cash has been splashed at the hotel’s new Shore Spa, and it’s largely been a successful investment. The indoor 15 metre pool includes aqua jets to obliterate any persistent muscular knots, while a steam room invites you to sweat it out. Step outside to switch it up in the barrel sauna, before rinsing in the drench shower and hopping into the hot tub with views across the loch. Therapists at the adjacent Inverary Spa, which offers a good selection of treatments, including facials, massages and scrubs, are experienced and professional, and use award-winning natural ishga skincare products made from Scottish seaweed. In addition to the bar and restaurant area, there’s also a games room, with board games to entertain all ages, and an under-stairs snug to escape to with a book. Nuts and bolts Room count: 68 Freebies: Tea, coffee and sweet treats in bedrooms. Wifi: Free wifi is available to all guests throughout the hotel. Extra charges: None. Disability access: The hotel has an access level and a lift to guest bedrooms across three floors. All public areas are accessible. The Cladach Mòr Bistro restaurant, Loch View bar, private rooms and spa are all on the ground floor. The original/older part of the building does not have lift access, however. Pet policy: Well-behaved dogs are welcome in all guestrooms, reception area, Loch View lounge bar and the hotel grounds. Dogs staying overnight are subject to a £20 charge per evening; no charge for service dogs. Bottom line Best thing: Friendly service and those loch views. Worst thing: The “hot” tub was not especially hot during my stay. Perfect for: A relaxing weekend break. Not right for: Stag and hen dos. Instagram from: The hot tub. Read more of our UK hotel reviews: The best spa hotels in the Scottish Highlands Best luxury hotels in Scotland Best hotels in Glasgow Read More The best New Year’s hotel breaks with entertainment This hotel has opened the Lake District’s first ‘spa garden’ The best all-inclusive UK breaks to celebrate the New Year How to do winter in London right The best new hotels that opened in the UK this autumn Why you should explore the Cotswolds by bike

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