As the year winds down and the days stretch long and warm, December invites us to take a breath – the perfect moment to pause.

The festive season is a time of joy and celebration but, for some, it can also lead to a financial hangover in the New Year. Overspending on gifts, parties, and decorations can quickly add-up, leaving us with unwanted debt.

As parents, the instinct to support our children never truly fades, even when they become adults. But when you are looking at giving them a financial helping hand there is a bit to consider.

Cyber threats are part of a digital world so staying alert, being informed, and adopting best practices, is essential to protect yourself.

As another year draws to a close, let's unpack that age-old query – does money truly buy happiness?