Total coverage - Kanessa Muluneh - to date

It's bonus time! While financial experts advise you to not blow it all at once, they do say it's ok to treat yourself.

But of course, you also need to think about saving and investing the majority of it where it will work its hardest for you.

Start with that pesky credit card debt first and pay that down. Then make sure you have an emergency fund, which leads onto savings accounts.

Savings rates are not as low as many think and new banks like Mashreq NEO, and First Abu Dhabi Bank (FAB) and Wio Bank offer fairly decent rates.

Then you can get serious and start looking at investing in funds and ETFs. Some people are also investing in their own start-ups as a new source of income.

Thanks to the many experts I spoke to for their great advice, including David Denton-Cardew at Zurich Insurance, Raji Kaippallil (FinancewithRaji), Carol Glynn FCA, Roberto D’Ambrosio‭ at Axiory‭, Remco Coerman‭, ‬partner at SeventyTwoNinety‭, and Graham Bentley‭ at the Mosaic Group.

If you have any interesting personal finance angles or money saving tips, please DM me.