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You're the type that racks up life experiences by the dozen

Disclaimer: The contents of this article are for general information purposes only and do not constitute financial advice. If you’re in any doubt about your finances, you should seek financial advice. The views and opinions expressed by Dr Oliver are those of the author and do not necessarily reflect the views or opinions of first direct.

Life first, finances second. You’re not the kind of person for long-term financial plans. And without any long-term savings goals or spending rules to stick to, you have been known to splash the cash on occasion...

You’re all about trying something new, and experiencing something different. The fear of missing out isn’t a feeling you enjoy, so you always make the most of every opportunity you can (even if you can’t really afford to do it). Your friends all love you because you get them out of the house and having fun. The question is: How can you make your lifestyle a bit more financially-friendly?