Financially niave

It is fair to say, after today, that I now know I am financially niave.

I was at a mortgage meeting and the bank saw my earnings and jumped on me! Now I have a meeting with a financial planning person and a personal account manager…… and an impending feeling of doom.

I now know that I dont have life insurance, income protection, I am not using my tax free savings allowance and… and… and…

So I now have an appointment to sort it out… oh dear… I feel like such a kid…