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My Blog

 
Regulation reaches funeral plan market to protect families

Regulation reaches funeral plan market to protect families

January 9, 2022

The overall cost of dying is increasing. It’s now at an all-time high of £9,263 for a basic funeral, professional fees and a send-off, according to SunLife . Over the last 15 years this has increased at almost 6%pa – a rate far higher than inflation. Because of the rising costs, in recent years it […]

Category: Financial Planning

 
 
Change up your money habits in 2022

Change up your money habits in 2022

January 6, 2022

We all know January is the perfect time to try and do something different, so set yourself on the path to a better financial future by changing your relationship with money this year. Where you are and your current financial situation doesn’t need to continue. You can embrace new habits. They won’t always be perfect, but they will set you on the journey to financial freedom – by which I mean freedom from the worries of money.

Category: Goal Setting

 
 
Making your savings work smarter

Making your savings work smarter

November 12, 2021

  How to make the most of your savings is an essential part of getting ahead financially, and it is especially true at a time when inflation is increasing.  It can be difficult to maintain the real buying power of your pounds. When you should use saving accounts instead of investing I have made no […]

Category: Saving & Investing

 
 
So you want to become a millionaire!

So you want to become a millionaire!

November 5, 2021

Do you want to be a millionaire? That is a great goal, but maybe it seems too far off in the distance or too impossible for you to reach. You may have seen the success stories on TV and social media, but maybe those people inherited their money, had high-paying jobs, or hit it big with the lottery?

I have good news for you, you can become a millionaire and it has nothing to do with your family’s money or your education, it has everything to do with you. If you follow these principles, you will be on your way to becoming a millionaire.

Category: Financial Planning, Saving & Investing

 
 
Divorce & dealing with the pension splits

Divorce & dealing with the pension splits

October 29, 2021

There were 90,871 divorces in England & Wales in 2018 and 6,873 in Scotland, although divorce rates as a proportion of marriages are at their lowest rate in nearly 50 years. Of course, 2020 could buck that trend as we’re spending far more time together under one roof, working, playing and perhaps arguing. So if the worst happens in a marriage, what happens to our pensions? There are three methods by which pension benefits are taken into account on divorce, each with their own considerations.

Category: Financial Planning, Retirement & Pensions

 
 
Saving in a recession

Saving in a recession

October 22, 2021

In the triple-whammy of the pandemic, recession and Brexit uncertainty, you might be forgiven for thinking there was nothing to be done with your money if you’re in a position to save. But there is. 

Category: Saving & Investing

 
 
 
Should I see a financial planner?

Should I see a financial planner?

October 4, 2021

The emergence of financial information websites and social media platforms such as YouTube and Tik Tok offering money management tips are trends that I think are helpful in promoting financial awareness in the UK, the more we are aware of our options, the better our decisions will be.  And, with the ability for consumers to […]

Category: Financial Planning

 
 
The tax rises have started…

The tax rises have started…

September 27, 2021

  The government announced two major policy changes that are likely to directly affect your finances.  A much-anticipated National Insurance rise will result in an increased burden on workers and employers, including for the first time, those above State Pension Age.  And the government has suspended the State Pension triple lock, meaning that pensioners will […]

Category: Financial News & Events, Financial Planning

 
 
Why World Alzheimer’s Month matters for our finances

Why World Alzheimer’s Month matters for our finances

September 21, 2021

September is World Alzheimer’s Month and 21 September is World Alzheimer’s Day, an international campaign to raise awareness and highlight issues faced by people affected by dementia. Globally, dementia is one of the biggest challenges we face, with nearly 50 million people living with the condition worldwide. In my book The Money Plan I talk […]

Category: Financial News & Events

 
 
 
Returning to the Office…

Returning to the Office…

September 18, 2021

Amid the doom and gloom of the last eighteen months, something positive: £16.6bn of consumer credit was repaid last year, the most repaid since the Bank of England records began in 1993 and the first annual net reduction since 2011. While it has been tough on our finances, it’s also led to big changes in […]

Category: Financial News & Events

 
 
The National Insurance increase and State Pension triple-lock

The National Insurance increase and State Pension triple-lock

September 13, 2021

We have heard two major policy announcements from the government this week, that are likely to directly affect your finances. A much-anticipated National Insurance rise will result in an increased burden on workers and employers, including for the first time, those above State Pension Age. And, on a not so surprising note, due to the […]

Category: Financial News & Events

 
 
 
Financial Education for the nation… and its children

Financial Education for the nation… and its children

August 15, 2021

It was results week this week for schools and colleges around the UK, measuring children on their ability to pass exams, or perhaps this year on navigating themselves through the unfortunate events of lockdown and the newly founded Teacher Assessed Grades or TAGs as they’ve become known. It’s been a tough time for my children […]

Category: Financial Planning

 
 
 
Snowball your way out of debt

Snowball your way out of debt

August 3, 2021

I’ve been fascinated by human behaviour for as long as I’ve been a financial planner. The two go hand in hand in so many ways, because we are physical beings run by our emotions.  Therefore, when it comes to debt repayment, we need to be aware of this because repaying debt won’t happen overnight, and […]

Category: Debt Repayment

 
 
Preparation is the secret to a happy retirement

Preparation is the secret to a happy retirement

July 23, 2021

Not surprisingly, I’m a big believer in planning. That’s especially true when it comes to the golden years of our retirement. But will those years really be golden, or more like copper?! I am in the fortunate position to have met and shared the retirement plans of thousands of couples over my 26 years as […]

Category: Retirement & Pensions

 
 
Your country needs YOU

Your country needs YOU

July 16, 2021

As an optimist, I like to look for some of the benefits we have gained over these last 18 months or so as we slowly emerge from the restrictions imposed on us. It’s essential we use this period to organise our finances, take lessons and secure our future. Part of that means supporting local businesses whenever you can.

Category: Financial News & Events

 
 

When it comes to your money, clarity is power

July 9, 2021

If you know your numbers, money isn’t as complicated as you might think. Clarity gives you the enthusiasm to make better decisions and live the life you want to live.  I often refer to ALIE as every financial planners best friend; assets, liabilities, income and expenditure. The last 18 months may have played havoc with […]

Category: Financial Planning, Money Management