Money Talks: The three simple steps to financial security

This year has shown us that nothing is certain, which is why it's so important to have a grasp of the figure you need each month to afford the basics of your life.

We should all know exactly how much our lives cost.

I hold a senior management role in the hospitality industry and have been out of work for the past 18 months. Unfortunately, I had no savings at all to fall back on and really struggled to live on the PUP allowance. 

I am back at work now, but I am so worried that this will be short-lived. Have you any advice on how to perhaps prepare financially for another unexpected bout of unemployment?