Saving Money On Holiday

Posted by & filed under savings.

There are so many way to save money when it comes to holidays so I have just included a few of the best ones in this section. The most important one for me though is to be realistic about your budget. The 5* instagram worthy holiday is always going to be appealing, but if it
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Getting Your Head Round Tax

Posted by & filed under tax.

Most clients that I meet do not really have a great grasp of tax and how it works. This morning I met a lady who had been burying her head in the sand and choosing not to invest because she was scared to incur taxes. When I explained that we would use her ISA allowance
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Sleeping With the Enemy

Posted by & filed under Finances 101, retirement.

This is a blog that I have been meaning to write for such a long time! Regularly when I am helping clients with their investment and pensions, I ask them “who will get this to if you die?” They often shrug their shoulders, and say my wife/husband/partner, dunno?” This is a clear case of loving
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Self Employed & Screwed!

Posted by & filed under Finances 101, retirement, savings, tax.

Self-employment can have huge advantages around working flexibility and potentially higher earnings than you would if you are employed in a traditional 9-5. Entrepreneurs are notorious for throwing themselves into their business and often forgetting that they need to think about themselves as the employee of their business too. What happens to them if they
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It’s all Bull!

Posted by & filed under Uncategorised.

A few weeks ago I wrote about volatility in investment markets and how we should be prepared for a rollercoaster. This wasn’t meant to put people off from investing, rather to make sure that you are investing at the right time for the right reasons. If you need to buy a house next year or
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Could You Fall In Love With Volatility?

Posted by & filed under investing.

Last week was hugely volatile in the financial markets and things are look to stay this way!! However, I didn’t get one call from existing investors voicing any concerns. Hopefully, they have comfort in the fact that their money is invested for the right reasons in the right things and that their investment risk perfectly matches their
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Hey Big Spender!

Posted by & filed under savings.

Whilst on holiday I’ve been reading The Automatic Millionaire by David Bach. What I really liked about it is how well he talks about the importance of not wasting money. Of course spend it on things that make you happy (a holiday to Thailand?) but what about all the odds and sods that drain money
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Getting Real About Retirement & Procrastination

Posted by & filed under retirement.

AVIVA released a lot of research this month into the retirement planning habits of the UK. In case you immediately want to stop reading because you are translating this to mean pensions; the answer is – not necessarily! When it comes to retirement you just need to have enough assets to live off for the
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New Years Resolutions

Posted by & filed under savings.

So it’s that time of year again and I am afraid I get really carried away and excited over resolutions – especially financial ones. This year I have decided on a scary thing!! I am going to cut back my splurge budget and commit more to medium and long term investments. Perhaps I am having
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Money Madness – How to Stay In The Black.

Posted by & filed under Finances 101, savings.

  There is a lot of talk at the moment about how UK households are getting in debt to levels similar to those in 2008! The charity step change estimates that 2.9 million people are experiencing “severe financial debt”. What concerns me more is that last month the Monetary Policy Committee came close to voting
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