A pain in the neck can be good reminder to get set for rainy days

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You need to set up a buffer for when things go wrong.

In February this year, I woke up with a pinched nerve in my neck. Now, I’m not talking a slight spasm that I could soldier on with.

The bad news was that he gradually told me over the coming days that this was a long-term issue with no quick and easy solution.Sure, I’m a klutz and if there is something for me to trip over, I’ll do it. But I could not envisage that I’d be sidelined overnight by something that would mean I was unable to work, drive or function for weeks and months.

The problem that arises is when we have longer-term crisis. Yours might not be an injury but an unexpected retrenchment or the loss of your largest business client which means your ability to derive an income is flattened. It’s important to understand whether you have the right type of cover, the right level and that it will kick in when you need.

 

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