We get some top tips from financial advisor Ruth Downs and Katie Ford on how anyone can kickstart their financial planning.

Ruth Downs BA(Hons) DipPFS and Katie Ford BVSc(Hons) CertAVP(SAM) PGCert MRCVS MCMA from VetYou Ltd, that offers veterinary-specific financial advice chat alongside Veterinary Voices’ Robyn Lowe BSc (Hons), Dip AVN (Small Animal), Dip HE CVN, RVN.

They discuss the value of financial clarity: knowing where you are with your money, what is coming in Vs what coming out. How splitting expenditure to non-negotiable payments (like council tax) and the stuff we spend for fun, to work out what wiggle room we have and come up with a plan for our financial future, what goals might we have and how can we achieve them.

Starting to save can seem daunting especially in the current financial climate where wages are not stretching as far as they used to.

Everyone is worthy of financial planning advice and to have personal goals to future proof ourselves. We talk automatic roundups, which can be organised through your bank, to put the extra pennies to one side and discuss the benefits of income protection.

If you are a vet or vet nurse experiencing concerns over your finances you may like to contact Vetlife, who offer a dedicated financial support service:

https://www.vetlife.org.uk/vetlife-services-financial-support/