By Sian Hinton-Woodier FPFS, Amber River Premier Most people do not make bad financial decisions. In fact, the biggest issue is often something much quieter. Putting things off. Whether it is reviewing pensions, sorting savings, or making important financial decisions, it is very common to think: “I’ll deal with it later.” At the time, it feels harmless. Life is busy, there are always more immediate priorities, and finances can often feel complex or overwhelming. But over tim