On your journey through life, a wide variety of events will have a direct bearing on your financial circumstances. Some can be anticipated and prepared for, while others
can take you by surprise. With careful planning and good advice, you can minimise the impact of any setbacks and make the most of the opportunities that come your way. There will be occasions when you have money available that you don’t need for any immediate purpose. It’s always tempting to enjoy the benefits of your good fortune by spending your cash on the things you enjoy.