As 2024 draws to a close, we are reminded of a year that has truly been a roller-coaster for all South Africans. Amidst the challenges of load shedding and the jubilation of the Springboks' triumphant return as world champions, we look forward to a well-deserved break. As we recharge and set our sights on a hopeful 2025, it is crucial to take a moment for one last task this year: a financial health check.