Business

Every now and then, life will throw something at you that you least expect. It could be a serious health challenge, a bombshell in a close personal relationship or a threat to your livelihood and way of living. We all know of someone who had been fit and healthy all their lives only to receive a shock diagnosis of a life threatening disease.

Change is inevitable in today’s world. In the past, people graduated from university, embarked on their chosen career and often stayed in that industry, sector and even the same job for their entire life. Once upon a time, if you started out as a doctor, then that’s what you were expected to do for your whole career.

For many years I would always have considered myself prudent with my personal finances. I worked hard, paid my bills and put some savings away on a monthly basis. I purchased my first home by myself when I was only 23 and I considered myself as “good with money“.