"Why do you want to say up late to celebrate the old year, it was rubbish", said my daughter. "Because I always do", came my first response. She has a point, 2020 was on the whole pretty rubbish and presented many challenges, in all areas of life. If I read about 2020 in a novel it would seem implausible, you couldn't make up this year's narrative, even though somehow, it already existed, albeit as science fiction.
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Jill Turner Dip PFS aw PETR is a member of the Personal Finance Society and a member of UKSIF the UK Sustainable Investment & Finance Association