There is a constant battle we all face. Current self v future self. Should I eat that doughnut? Should I have a lie in rather than go to the gym in the morning? Shall I make this purchase on my credit card now or should I save up...

You all have a medical doctor (your GP) but who is your Financial Doctor? If you indulge me in a bit of background for a few moments I will explain this. The recent blogs spoke about insurance and the need to review policies regularly. Life insurance...