Many people only visit a financial planner when they begin to think about planning for retirement and unfortunately by that time they have usually racked up a few avoidable financial regrets.

Are you turning fifty soon? This is the decade where you start to think about retirement and whether you will be able to afford the retirement lifestyle you dream of.

I’ve mentioned budgeting… I’ve lost you already haven’t I? If you’ve never had to budget before, just the reference to it might make you want to turn and run; particularly if you don’t consider yourself very good with managing money. But budgeting doesn’t have to be that scary.

If I’m being honest, there’s a bit of Squirrel and Swan in all of us. Our money personality can play a major role in how we value (and spend!) money; everything from going up a size one morning with your takeaway coffee, to the brand of clothing you regularly purchase and the make of car you drive.