After a few years of financial shocks, our expert explains what to do now ensure your money is fit for the future

The past few years have taught us that it’s pretty hard to guess what financial shocks are around the corner, so all of this is written with the caveat that 2025 might not go as expected.

But assuming we face a bit of stability, we are looking ahead to a time when prices for groceries, energy, homewares and other daily spending will plateau or maybe even go down. Interest rates are expected to fall too, as the Bank of England stops worrying about inflation and attempts to put a bit of fuel back in the economy. All of this means there are some jobs to do with your finances: