The one thing you will remember?

Let’s face it, we are not out of the woods yet when it comes to the pandemic, although you might be forgiven for feeling this way when viewing the beaches of the UK during the heatwave.

There is concern that another lockdown will be required, however the central messages of easing lockdown measures are coming thick and fast now, which will be a relief to many.

If you thought about the last few months, and how you have coped in whatever format that takes, what's the one thing you will remember? Might be good or bad, but of course personal to you.

And if you had had a little more time, perhaps a few days or a week, to have been prepared for the lockdown, what would you have done differently? Did your money last through, or did changes, such as the Furlough scheme, or the Self-Employed Income Support scheme, change your income and savings position?

We are all different, and as always there have been winners and losers. As long as you and your loved ones maintained their health, this has to be of greater importance. But, and with the benefit of hindsight which many argue is an exact science, if you could have changed one thing about your money planning for 2020, what would it have been, and what would you have done differently?

Money, in whatever format that appears to you, on a paper bank statement, online, or cash in your pocket, needs attention. It can't help itself. If you do nothing with it, it will normally give very little back in the form of interest or returns.

So, don't let your money be locked down for long, and take measures to get your money to work for you. It doesn't need to be much, it can be a lump sum, it can be a regular contribution, or indeed both, but make sure it's doing its best. Seek some advice and make sure it's helping you with your journey as we move into another phase of 2020, 2021 and the longer term.

Stay safe in the meantime.