Although you have a Military Will, this only sets out basic items. You should think about making a more comprehensive Will, otherwise when you die your assets might not go where you want them to.

You have had major life event occur since you wrote your Will. You should review your Will and make sure its still suitable. If it isn't, look to get it updated.

The interest you are earning on your savings is probably less than the interest you are paying on your debt. You will probably have more money if you use your savings to pay off your debt and then start saving. You should spend some time working out if you are better paying off your debt.

The interest you are earning on your savings is probably less than the interest you are paying on your debt. You will probably have more money if you use your savings to pay off your debt and then start saving. But you are saving for something and it may be worth paying the cost of the debt to achieve your goal. You should spend some time working out if you are better paying off your debt and then saving, or carrying on as you are.

You said that debt is an issue for you. You might want to think about speaking to a debt relief/debt counselling charity for example, the British Legion or Step Change for advice on managing your debt and building a budget.

Think about creating a budget. Review your bank statements or make a record of everything you spend to understand how you spend money. There are apps that you can use to help build your budget

Payday loans can be very expensive and relying on friends or family can be uncertain. Think about either reducing your existing debt to enable you to have available cheaper credit, or try and review your budget and make plans for small uncertain items

Its great you have access to credit for emergencies, but even credit cards have interest. It might be worth looking at your budget and making allowances for small uncertain payments such as car maintenance bills

Using items such as credit cards, stores cards can be really good if used correctly. For example buying a holiday on a credit card can provide free insurance in case the travel agent goes bust.

But these types of credit can be expensive, generally credit cards are cheaper than payday loans, an authroised overdraft is cheaper than if you just go over drawn.

If you are regularly using any of these, look into cheaper sources of credit such as new customer deals. It can be possible to move your balance to a new company and reduce your interest rate for the new customer period (even as low as 0% )

With only a short time to retirement its very important that you speak to a pensions advisor to work out a plan to enable you to be financially happy in retirement

With only a short time to retirement its very important that you speak to a pensions advisor to work out a plan to enable you to be financially happy in retirement

You have a while to go until retirement but it’s a good idea to start planning for it now. You don’t pay income tax on money that you pay into a pension, if you are a basic rate tax payer for every £10 you pay in £12 is added. You are getting free money from the tax man. Also the longer your money is in the pension for the more it grows, this is because not only do you earn interest for longer, but you earn interest on the interest multiplying the pot up. Spend time to look into your military pension and possibly speak to an advisor.

You have a while to go until retirement but it’s a good idea to start planning for it now. You don’t pay income tax on money that you pay into a pension, if you are a basic rate tax payer for every £10 you pay in £12 is added. You are getting free money from the tax man. also the longer your money is in the pension for the more it grows, this is because not only do you earn interest for longer, but you earn interest on the interest multiplying the pot up. Spend time to look into your military pension and possibly speak to an advisor.

Having your life insuance in trust means that when you die, money paid out is not part of your estate and wont be subject to inheritance tax. You should look at getting your life insurance put into trust

You said your policy has a War Zone exclusion or you were unsure. We would recommend having your policy reviewed by an Advisor

You said your policy has a War Zone exclusion or you were unsure. We would recommend having your policy reviewed by an Advisor

Having your life insuance in trust means that when you die, money paid out is not part of your estate and wont be subject to inheritance tax. You should look at getting your life insurance put into trust

You indicated that something significant has happened in your life since you purchased Life Insurance. Look at reviewing your cover to make sure it is still fit for purpose

You indicated that something significant has happened in your life since you purchased Life Insurance. Look at reviewing your cover to make sure it is still fit for purpose

You said you were uncertain or definitely don't know if your current Life Insurance policy is fit for purpose. Spend a short amount of time reviewing the numbers, if you are still not sure, speak to a financial advisor

You said you were uncertain or definitely don't know if your current Life Insurance policy is fit for purpose. Spend a short amount of time reviewing the numbers, if you are still not sure, speak to a financial advisor

You said you were uncertain or definitely don't know if your current Serious/Critical Illness Insurance policy is fit for purpose. Spend a short amount of time reviewing the numbers, if you are still not sure, speak to a financial advisor

You said you were uncertain or definitely don't know if your current Serious/Critical Illness Insurance policy is fit for purpose. Spend a short amount of time reviewing the numbers, if you are still not sure, speak to a financial advisor

You said you bought Life Insurance but not Serious/Critical Illness cover. We would recommend you speak with an adviser about this option as it is more likely to pay out than Life Insurance and it offers financial protection where the MOD do not.

You said you bought Life Insurance but not Serious/Critical Illness cover. We would recommend you speak with an adviser about this option as it is more likely to pay out than Life Insurance and it offers financial protection where the MOD do not.

You said that there are people in your life who are financially dependent on you. It would be worth considering Life and Serious/Critical Illness cover to ensure they are protected if something happens to you.

As you have no financial dependants, Life Cover is probably not relevant. However, you should consider Serious Illness cover to ensure you are financially protected from the consequences of medical discharge from the Armed Forces.