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Family finances for Father’s Day

Family finances for Father’s Day

June 18, 2021

Happy Father’s Day to all the dads reading. I love being a dad, and even as an experienced financial planner, raising my kids Olly and Bella has taught me plenty about family finances. On average, a couple spends just over £75,000 raising a child from birth to 18 years old according to the Child Poverty […]

Category: Financial Planning

 
 
While cash deflates, your wealth can still inflate

While cash deflates, your wealth can still inflate

June 18, 2021

What is inflation? When too many pounds chase too few goods or services, the demand for those goods and services increases. This can cause prices to rise, which over time is what we refer to as inflation. There are two measures of inflation, the Consumer Price Index (CPI) and the Retail Prices Index (RPI). They’re […]

Category: Financial Planning

 
 
Time flies, make it count

Time flies, make it count

June 11, 2021

I think we all agree that time flies. For me it seems like only the other week that we were celebrating the new year, then on our own in lockdown… when this month we’re halfway through 2021 already. Before we know it, summer will be over and we’ll be planning our Christmas celebrations.

It’s our decisions in life that will shape our future, not our knowledge or our conditions. Find out the 2 things you can do to get yourself on track.

Category: Goal Setting

 
 
To be happier or earn more, consider going back to school

To be happier or earn more, consider going back to school

June 4, 2021

It seems crazy to me that at 18 years old you can be expected to know what you want to do for the rest of your life. Deciding your career for maybe the next 50 years is somewhat unrealistic. If the choice you made didn’t work out and now you find yourself out of work or without the money to learn the skills you need to forge a new career – you can be trapped in a vicious circle. Luckily help is now at hand with the new government loan scheme called an “Advanced Learner Loan”. Read this article to discover more.

Category: Goal Setting, Money Management

 
 
How to repay your mortgage fast

How to repay your mortgage fast

May 27, 2021

It’s the one debt most of us are happy to take out and it seems almost second nature to do so; for the majority, it takes nearly our whole working lifetime to repay it. So how can you join the 60% or so of householders who own their homes outright? Discover how repaying your mortgage earlier or more frequently can really make a difference.

Category: Debt Repayment, Financial Planning, Money Management

 
 
 
Money worries and Mental Health Awareness Week

Money worries and Mental Health Awareness Week

May 14, 2021

Many people often think that if they had more money, all their worries would go away. But (and while I am sure you’d prefer to find this out for yourself), I can tell you that for most people, more money just means different types of worries.

Most people live to their means, and some for various reasons live beyond their means.  When your budget begins to stretch and you start borrowing for day-to-day spending, your money worries can quickly grow. For some people, small worries can easily escalate rapidly into bigger problems and cause mental health issues that can paralyse our decision-making process. Just thinking about money, your bills and credit card statements can bring a shudder over you, bringing on a sense of helplessness and a lack of hope.

Category: Debt Repayment, Money Management

 
 
Insure your car? Insure your life!

Insure your car? Insure your life!

May 7, 2021

As a certified financial planner, a vital part of what I do is ensuring catastrophes like premature death are considered now, so there is a plan in place before an eventuality may occur. Managing risk is an important part of that. A way of transferring the risk away from your family unit to an insurance company is by buying life assurance. It doesn’t always have the best reputation, but ask a widow or widower who benefited from it and they’ll tell you a different story. We insure our cars and our home; it’s a natural step to insure our lives. read this article to find out why it’s worth considering.

Category: Financial Planning, Financial Protection

 
 
Investing secrets: it all starts with the right mindset

Investing secrets: it all starts with the right mindset

April 29, 2021

This week I read a great blog by one of the people that helped me as he celebrated 40 years in business. David Booth is the founder of Dimensional Fund Advisers and a genius in the investment world, so I wanted to share his thoughts and mine so you too can benefit from his wisdom. Read this article to discover what I believe to be 4 important things when it comes to investing.

Category: Saving & Investing

 
 
Thousands of women may be receiving too little state pension

Thousands of women may be receiving too little state pension

April 19, 2021

Thousands of married women who reached state pension age before 6 April 2016 have been underpaid their state pension for more than two decades. Documents revealed in the budget last month highlighted that approximately 200,000 pensioners have potentially been underpaid up to £3bn between them in state pension entitlement, with individuals entitled to an average pay out of £13,500 to make up the shortfall.

Category: Retirement & Pensions

 
 
 
 
How much is enough for you to retire?

How much is enough for you to retire?

April 1, 2021

  I am often asked, usually as a passing comment when people know what I do: how much do I need for retirement? Although it’s a simple question, the answer is complex. However, the clever folks at Fidelity have done some research, and their views can act as a useful barometer for your pension planning. […]

Category: Retirement & Pensions

 
 
My top 10 tips for your 2021 tax planning

My top 10 tips for your 2021 tax planning

March 25, 2021

With the end of the tax year just a few weeks away, below are my top 10 tips you can benefit from this year. Each person has an annual exemption of £12,300 to set against their capital gains. This allowance cannot be carried forward or transferred to another person. So if you are thinking of […]

Category: Financial Planning

 
 
 
 
Budgeting your income

Budgeting your income

March 14, 2021

Chancellor Rishi Sunak set out the government’s tax and spending plans last week as the nation continues to deal with the effects of COVID-19. The Government has borrowed a record £355bn so far fighting the pandemic and has to come up with a way of paying it back. Sunak also needs to continue supporting the millions still out of work or on furlough due to the downturn. So what did he do, and how is it going to affect you?

Category: Financial News & Events

 
 
Should you invest in property or shares? Why it pays to back Global PLC

Should you invest in property or shares? Why it pays to back Global PLC

March 8, 2021

When I started in financial planning back in 1995, the biggest obstacle I heard to investing was ‘I’m buying bricks and mortar, that’s my pension’. However, there are logical reasons why I believe equities make better investments than property, but we don’t buy with logic, we buy with emotions, justifying our decisions with the logic that will back up the choice we made.

Category: Saving & Investing

 
 
Is a little bit of Bitcoin in our futures?

Is a little bit of Bitcoin in our futures?

March 2, 2021

I am often asked questions about Bitcoin, and cryptocurrencies in general, on whether they make a good investment. Bitcoin is just one of over 4,000 different cryptocurrencies globally. While many of these cryptocurrencies have little to no following or trading volume, some enjoy immense popularity among dedicated communities of backers and ‘investors’. So how do they work, and is it the future of investing?

Category: Saving & Investing