Until now, the year has been a long string of battles, both at work and at home. Now the tide finally begins to turn in your favour, leaving you a little more hopeful about the future. A few months ago, you were offered something, but you were too stressed to even consider it. Now, it is back on the table, in a more accessible way. Maybe it is time to grab it.

By Bernard Fitzwalter; Illustration: Sajid Wajid Shaikh