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There are a range of different financial issues that you could face at any given time. Sometimes, even trying your best isn’t good enough to stop yourself from being in a situation that you don’t want to be in financially.

However, if you take the right steps you should be able to navigate your way through the worst of these times. If you would like to find out more about three issues that you never thought you would face, keep reading down below. 

Legal Representation

The first thing that you are going to need to think about is legal representation. There are a number of reasons that you would need this. For example, you may be getting a divorce and may need legal support to navigate its complexities. Or, if you are thinking of moving or visiting another country, you may need to visit an immigration solicitor to find out what the next steps need to be. 


Nobody ever thinks that they are going to end up in debt, and it’s also not something that most people aspire to. However, it happens more than you think. At the end of 2020, in the UK, almost eight out of ten adults ended up carrying debt into the new year. Being in debt is normalised in today’s society (unfortunately for me as a financial coach), and you will likely find yourself experiencing this at some point. Make sure you continue to make your minimum payments and seek out support from somewhere like Stepchange who provide free and impartial support. 

No Savings

Again, this is another common issue that you don’t think is going to happen to you. Studies show that many people in the UK have less than £100 in savings, and these statistics have worsened with the effects of the pandemic. Try to remember that life is expensive and not to beat yourself up about this. It can be tricky to navigate, but with an effective spending plan in place, you can manage to build up an emergency fund and then to start saving. If you want to work out when this is going to be possible, you need to create a spending plan which works for you, not a generic plan which is too restrictive and which sets you up for failure. Then ensure that you stick to it. It’s no good to you if you don’t follow the rules that you have set for yourself.