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Achieving Financial Goals

 

The psychology of money

There’s been a lot of bad headlines again recently – Jamie Oliver’s restaurants and British Steel are shedding jobs, Mothercare and other retailers are in trouble… if you’re directly involved (or know someone who is), then this is a very tough time financially.

I don’t pretend to have a silver bullet, but I do know that it’s very easy to get overwhelmed in these kinds of situation. The most important thing you can do? Get clarity. Come back to the steps of The Money Plan to do that.

May 31, 2019
 
 
 

How to save for your children

With the cost of education and housing rising, it’s become more commonplace for parents and grandparents to save for their children and grandchildren. By planning ahead, they can maximise the impact those savings will have.

May 10, 2019
 
 
 

What to do with £25,000

Suppose you’ve got a lump sum of £25,000 saved, and you’re a homeowner. Assuming you’ve got an emergency reserve of cash put aside and no unsecured debts, there are a few different options for you to make the most of your money.

April 26, 2019
 
 
 
 
 

Equity Release – is it right for you?

As a nation, we love property, I try to expand my clients views, but often decisions made decades before meeting me means that the largest asset some of my clients own is their home and often they are pension and cash poor, so how do you release the value of your home?

March 24, 2019
 
 
 

Your ‘House of Wealth’ needs solid financial foundations

Several years ago, I worked with a group of people to create a model called the House of Wealth: a graphical representation of your financial planning.  The foundations of the house include all the basics everyone should consider having in place to safeguard their (and their families’) future, we never know what’s around the corner.

There are eight elements to the foundations in total: three are essential (an emergency cash reserve, a will and a lasting power of attorney), and five are optional. They’re very important for some people, but unnecessary for others.

March 4, 2019
 
 
 

Joined-up thinking: couples and finances

Money, like a relationship, is a very emotional thing. Put the two together and you’ve either got sweet sailing or stormy waters ahead. Discussing your thoughts and rules around money is important as a couple. You need to develop together in a financial sense as well as an emotional one. Based on over 20 years of working with couples and their finances, here are some tips on navigating the journey together.

February 13, 2019
 
 
 
Staying on track with The Money Plan

Getting your year on financial track

Around 10% of the year has already flown by – but that means there’s still 90% of it left to make your mark on 2019 and take control of your finances. If you resolved to do just that, but January wasn’t your month for whatever reason, then it’s time to be resilient, set a strategy, focus on your outcome and take consistent steps towards it.

February 8, 2019
 
 
 

Your best three investments for 2019

How are you getting on with your new year’s resolutions, we’re a few weeks in now and for many of you, your resolutions include financial goal-setting. It’s also the time of year when we are hit with all sorts of predictions on what stocks or investment strategies are going to work best in the coming year, so I thought I would add mine to your list.

February 4, 2019
 
 
 
 

Financial Clarity

Getting financially organised is important, because clarity is power. When you know your numbers, your finances are not as complicated as you might think. Clarity gives you the enthusiasm to make better decisions and live the life you want to live.

November 7, 2018
 
 
 

Let’s make Q3 amazing!

I think Q3 is the one of the most exciting times of the year: on one hand you’re thinking about how quickly time flies, and on the other there are six months left of the year, plenty of time to do something about achieving your goals.

July 26, 2018
 
 
 
 
 
 
 
 
 
 
 
Goals

Goals – progress update

We’re into 2018 how’s it started? How are the new year resolutions, the goals you set yourself for the coming months and years ahead, any good? Setting goals and reading them every morning and every night before you fall asleep will help you stay on course. So whether it’s January 1st or August 27th the…

January 16, 2018
 
 
 

Building your House of Wealth

I first put the concept of the House of Wealth together in the 90s to give a visual idea of where everything fits in to secure your financial future. It shows the foundations required to take control of your financial life, whether you’re looking to pay off debts or invest. You need the basics in…

November 22, 2017
 
 
 
 

Debt management & the snowball plan

When it comes to managing your debt, the first and most important rule to remember is: don’t panic. There are millions of people struggling financially in the UK, and the country itself is in a massive amount of debt. What you need to do is take charge, take control, and put a clear plan in…

November 20, 2017
 
 
 
 

Saving for a home: it’s all in the mindset

The bad habits we learn It’s hard for individuals to manage money well if the country as a whole doesn’t manage money well. I liken it to being a child with constantly overspending parents who are always in debt; you can easily pick the same habits up. The country isn’t leading a good example, we’re…

November 2, 2017