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You’re the type that knows how to sniff out a bargain

Disclaimer: The contents of this article are for general information purposes only and do not constitute financial advice. If you’re in any doubt about your finances, you should seek financial advice. The views and opinions expressed by Dr Oliver are those of the author and do not necessarily reflect the views or opinions of first direct.

You’re practical, creative, independent (and proud to be so). You’re strict with yourself when it comes to budgeting – because making sure you’ve got enough money to spend on quality time with friends and family is worth the financial planning.

When you’re making financial plans, you’re realistic and stick to what you know. But you’d like to find out if this approach could be holding you back...