This article was published on 12 December 2019. Some information may be out of date.

What financial decisions would I do differently, with hindsight?

Based on an email challenge from a listener.

  • Timing — in the share market and property market
  • Gearing — borrowing to invest in a share fund
  • A foreign exchange investment
  • House buying
  • Rental property?
  • Higher paid work?
  • My holiday message: Be terrific in traffic

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Mary Holm is a freelance journalist, a director of Financial Services Complaints Ltd (FSCL), a seminar presenter and a bestselling author on personal finance. From 2011 to 2019 she was a founding director of the Financial Markets Authority. Her opinions are personal, and do not reflect the position of any organisation in which she holds office. Mary’s advice is of a general nature, and she is not responsible for any loss that any reader may suffer from following it.