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April 2020’s IR35 Changes – Government Review

April 2020’s IR35 Changes – Government Review

January 22, 2020

This follows a number of concerns raised by businesses and affected individuals about how the new rules will be implemented. From 6 April 2020, all medium and large-sized private sector clients will be responsible for deciding if the IR35 rules apply to their contractors. This moves the onus for IR35 decisions away from the worker to the (medium and large) private sector engager.

Category: News

 
 
Struggling with your New Year’s Resolutions?

Struggling with your New Year’s Resolutions?

January 10, 2020

The number one reason most people don’t stick to their new year’s resolutions is that they set unrealistic goals. It’s called the “False Hope Syndrome” where a person’s unrealistic expectations about the likely speed, amount, ease and consequences of changing their behaviour. So, if you want to stick to your goals in 2020, then read this article to find out more.

Category: Goal Setting

 
 
 
A Conservative victory: now what?

A Conservative victory: now what?

December 23, 2019

The Conservative Party has won a substantial majority, which gives Boris Johnson a near carte blanche to carry out his manifesto The Conservative Party’s 2019 manifesto is now the starting point for the Government agenda for the next five years. The majority which the Party now has, with many new MPs, will mean a sea…

Category: Financial News & Events

 
 
FOMO Spending – How to stop overspending on your credit cards!

FOMO Spending – How to stop overspending on your credit cards!

December 6, 2019

We live in a world of instant gratification, rather than see something we want, save and buy it, retailers make it so easy for you to have it now, and sometimes this ‘easy credit’ is so good for their business, it becomes the business and the products they sell, are secondary so that they can offer more debt. How can you get out of this cycle of debt?

Category: Debt Repayment, Money Management

 
 

20 ways to get your Christmas spending right!

November 22, 2019

Christmas is financially tight for all of us, so if you want to boost your budget, try my top 20 tips this year! There’s nothing like a side hustle to give your coffers an appreciated boost at any time of the year, but let’s see what else we have available.

Category: Money Management

 
 
Friday the 13th… Should you be scared?

Friday the 13th… Should you be scared?

November 22, 2019

We are experiencing unprecedented uncertainty and tension in the political system around the world as well as with the British elections on the 12 December, which for some will be a scary announcement on Friday 13th. Does all of this, and who sits in Number 10, affect your investment strategy?  If it does, do you need to rethink your plans ahead of the election?

Category: Financial News & Events, Saving & Investing

 
 
Readers Question: Can I use my spouse’s tax allowance?

Readers Question: Can I use my spouse’s tax allowance?

November 15, 2019

The first £12,500 of any income we earn is free of income tax, what seems unfair is that if one of you stays at home and does not have any earnings, then their £12,500 of tax-free allowance is left unused.
Many people don’t realise that since April 2015 you can apply to get a refund in these circumstances whree you could save £1,149 of income tax.

Category: Financial Planning, Money Management