Are you walking a personal finance tightrope without a safety net?! Is your safety net as strong as it should be? Or is it full of holes?

In this episode we take a look at insurance - what it is and why we have it. Most importantly we discuss how it can protect you and your loved ones from disaster and financial ruin.

We also delve a bit deeper into the State Welfare system and how it provides a bit of a weak but very important safety net.

Check out the show notes to record what insurance and State Benefits you already have and to identify any gaps in your safety net.

Maybe you want to figure out what State Benefits you are entitled to? You can use these State Benefit calculators.

Don't miss Craig's festive cheese on toast recipe and find out why he is actually Paddington's Dad!