Daniel Liddicott
March 2023  •  4 min read

Flat pack fever

Flat pack furniture – a phrase that strikes fear into the hearts of most people, and often for very good reason – the poorly labelled pieces; the multitude of supposedly vital fixtures and fittings; the cryptic instructions seemingly written with the sole purpose to confuse and annoy.

I am delighted to say that my wife and I are expecting our first child at the end of March! This is, and has been, an extremely exciting and often anxiety-inducing time. I am sure that I am describing a period of time that is familiar to many of you. In amongst all of the preparations, baby book reading and antenatal classes, there is the inevitable task of assembling our unborn bundle of joy’s nursery furniture. Unless, of course, you wisely paid for the outsourcing of said assembly process – alas, we did not.

So began an entire Sunday of unpacking boxes, organising various pieces, deciphering assembly instructions and good old elbow grease – not to mention dusting off our toolbox that is used so sparingly.  It took a great deal of patience, persistence and a coffee or three – but my wife and I ended the day proud that we had persevered, feeling that little bit more prepared for our baby’s arrival.

Financial planning requires persistence and perseverance.  It requires all of those vital ‘fixtures and fittings’ – your savings, investments and pensions. Whilst sticking to the plan can feel painful at times, particularly through the current cost-of-living crisis and the adverse market conditions that we have seen over the past 12 months; enduring through the difficult moments will help you to achieve what you set out to do at the beginning.

I would be lying if I told you that the mental and physical strain of piecing together those jigsaw puzzle-esque pieces of furniture didn’t give me pause, but the sense of achievement from staying the course and completing the task at hand gave me a great sense of achievement at the end of the day. The increased preparedness that I felt for our baby’s arrival after having set up the nursery was profound – and a welcome, cathartic surprise.

If you feel the need to reach out during these testing times, please don’t hesitate to get in contact with us. We are here for you when you need us, to guide you and be the reassuring voice that encourages you to stick to your well-made plans.

And speaking of testing times, I am due to be extremely busy in both my personal and professional life in the very near future – tax year end baby on the way!