Nobody gets a gold medal without a coach Tanya's suggestion to get help from a professional is such good advice. Most people find it really hard to make the decision to pay someone else to help them succeed with money when they are experiencing difficult financial times but it is a critical decision.

Choosing the right professional will depend a lot on your current circumstances. If you are in heaps of debt, choose a debt counsellor, if your income is good and debt is not out of control, but you're continually pulling up short each week you would be better of choosing a spending planner, and if you are on top of your day to day finances with no bad debt and looking to leverage your position you would ideally choose a financial planner.

Trying to get money right on your own is almost impossible. We are all too close to our own situation to see what someone looking from the outside in can see quite clearly so while making the decision can be difficult, it's one you really should make!

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Heed the excellent advice from Tanya. I went through an unexpected grey divorce having a shared account which my pay went into for over 25 years. Lost the nice family home and I was told I was lucky to get a 40% share of assets i.e. my own super (accum. fund) plus some cash for a deposit. You just don't get to bounce back financially, emotionally and psychologically in your later years. 'Once bitten twice shy' as the song goes.

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