Financial Healthcheck

You seem to be managing well but, just remember to keep a close eye on your finances as you never know what the future holds. Have a look at our budget planner which will help you to stay on top of your finances.

While you might be coping with your day-to-day spending at the moment, it doesn't take much for things to get out of control - you could take a look at our tips on budgeting which also includes a budget planner tool that will help to get a clearer picture of where you are spending your money and where you might be able to make a few adjustments.

There's no time like the present. You need to get a handle on your finances you could take a look at our tips on budgeting which also includes a budget planner tool that will help to get a clearer picture of where you are spending your money and where you might be able to make a few adjustments.

It's great that you are prepared for a 'rainy day', but remember to keep on top of your finances, as you never know what the future will hold.

While you say that you could probably find some money in an emergency it might be a good idea to put a bit of money away for a 'rainy day'. Look at our savings section for some ideas on how to make putting money aside a little easier.

You never know what's around the corner its time you thought about putting some money away for a 'rainy day' or planning for every possible eventuality. Look at our savings section for some ideas on how to make putting money aside a little easier.

Your borrowing seems to be under control at the moment although it is good to remember to keep an eye on it. Check out our tips on managing your borrowings sensibly.

Your borrowing seems to be under control at the moment. But debt problems can creep up on you, so remember to keep an eye on it. Our checklist has some tips on how to manage your borrowing sensibly.

Before you do anything else think now about what you can do to get on top of your borrowing - it sounds as though it may be getting out of control. If you don't do anything, things could easily get worse. Look at our advice section for some ideas on how to manage your borrowing sensibly. We also have some debt management advice on what to do it if it has got out of hand.

Before you do anything else, you should take action now to tackle your borrowing problems. If you don't do anything, things could easily get worse! However the good news is that there is a solution to most borrowing problems but you'll need to take action now. We have a debt management advice section which has useful advice on how you can get your finances back into control.

While you say you think your dependants would manage financially if you died, don't forget to review your arrangements from time to time, particularly if your circumstances change.

It is important to take what steps you can now to provide for your partner and dependants if you die. Otherwise, they could suffer financially after your death. There are insurance options which can provide you with a safety net and help protect your future.

It is important to take what steps you can now to provide for your partner and dependants if you die. Otherwise, they could suffer financially after your death. There are insurance options which can provide you with a safety net and help protect your future.

Money shouldn't be a problem if your partner died however, you should remember to review your arrangements from time to time, especially if your circumstances change for any reason.

It is advisable to do what you can now to protect you / your dependants should your partner die or you could run into financial problems after their death. There are insurance options which can provide you with a safety net and help protect your future.

As you rely on somebody else for financial or other support, it is important to think about how you would cope should something happen to the person you rely on and they were no longer able to support you. There are insurance options which can provide you with a safety net and help protect your future.

You've mentioned that you would have enough money to live on if you / your partner lost your job or couldn't work. However, you should check this from time to time, particularly if your circumstances change for any reason.

Think about how you would manage if you/your partner lost your job or couldn't work. You could consider insurance options such as critical illness cover or mortgage repayment cover which could be of benefit should an unexpected difficulty arise.

Think about how you would manage if you/your partner lost your job or couldn't work. You could consider insurance options such as payment protection or mortgage repayment cover which could help reduce the impact of an unexpected loss in income.

You should think about making a will, keeping it up to date and letting someone know where to find it. This will ensure that your money goes where you want should you die and can help to safeguard the interests of people like your partner or any other dependants.

It is a good idea to start thinking about your retirement now and what you will live on once you retire. You should find some helpful tips in our financial advice section on how best to plan for your retirement.

You might want to get professional advice on your retirement savings. If you have a partner you might also want to consider their retirement plans too.

Your options for retirement might be slightly limited now but it is never too late to think of alternative options such as retiring a little later to give you more time to save. You should find some helpful tips in our financial advice centre on how best to plan for your retirement.

Your options for retirement might be slightly limited now but it is never too late to think of alternative options such as retiring a little later to give you more time to save. You should find some helpful tips in our financial advice centre on how best to plan for your retirement.

You sound as though you've already made plans for your retirement, but remember to review them regularly to make sure that they're in order and will give you the income you expect when you retire. If you have a partner, you should take their plans for retirement into account too. You should find some helpful tips in our financial advice centre on how best to plan for your retirement.

It's still some way off but it's a good time to start making plans for your retirement now. The earlier you start saving the more time it has to grow and the more savings you're likely to have to live on when you retire. You should find some helpful tips in our financial advice centre on how best to plan for your retirement.

It's still some way off but it's a good time to start making plans for your retirement now. The earlier you start saving the more time it has to grow and the more savings you're likely to have to live on when you retire. You should find some helpful tips in our financial advice centre on how best to plan for your retirement.

You sound as though you've already made plans for your retirement, but remember to review them regularly to make sure that they're in order and will give you the income you expect when you retire. If you have a partner, you should take their plans for retirement into account too. You should find some helpful tips in our financial advice centre on how best to plan for your retirement.

It's still some way off but it's a good time to start making plans for your retirement now. You should find some helpful tips in our financial advice guide on how best to plan for your retirement. Your options might be more limited now and you may not have many years left to save so it is worth getting some professional advice from one of our qualified financial advisers.

It's still some way off but it's a good time to start making plans for your retirement now. You should find some helpful tips in our financial advice guide on how best to plan for your retirement. Your options might be more limited now and you may not have many years left to save so it is worth getting some professional advice from one of our qualified financial advisers.

If you can afford it, you might think about building up some other savings and investments. If you have a partner you should also take their retirement plans into account too.

You said you don't have a mortgage. If you are thinking of buying your first home, talk to a dedicated Mortgage Adviser in any BOI branch and we can take you through the process step by step.