Partied out and penniless

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Partied out and penniless

Royal London's Shelley Walker reflects on Christmas spending and how your clients would be coping at this time if they didn't have regular earnings.

December has left me destitute. My piggy-bank lies broken and empty, my lunchtime meal deal feels like an extravagant expense and I'm down to the Bountys in my box of Celebrations.  But I won't mourn my dearly departed pennies. Between buying gifts for loved ones (then deciding to keep them for myself) to treating my mum to that ever so festively-expensive mulled wine, I'm proud of my vacant purse. New Year. Same priorities. January is a time of reflection. And it's made me think jus...

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