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
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
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
Does it ever feel like you’re way behind the curve and getting started is just too much effort? I hear this a lot, so I thought I would share with you 10 quick wins to get going, because momentum builds and getting started is half the battle.
Category: Financial Planning, Money Management
The Money Plan will help avoid the financial heart attack of being repossessed, so if you’re worried about the rise in repossessions, perhaps it is time to take your finances seriously.
Category: Debt Repayment, Money Management
We are all familiar with what a mortgage is, but do we know how much we can afford, by that I don’t mean how much will the lender lend me, but how much can I afford to pay each month. Find out about the 28/36 rule which measures borrowers’ ability to afford their mortgage payments based on their households’ gross monthly income, monthly housing-related payments, and all other monthly debt payments.
Category: Financial Planning, Money Management
ALIE is a financial planners lifetime partner, some of us may be married, but we have a life affair with ALIE. ALIE is a KPI (Key Performance Indicator) or barometer to help us understand what we need to know about our finances, it’s an acronym for; Assets, Liabilities, Income, Expenditure.
Category: Financial Planning, Money Management
If you haven’t yet claimed your PPI back, time is running out to do so. If you haven’t gotten around to it, because you are confused as to what to do, then check out my simple guide to ensure you get your claims in before the 29th of August.
Category: Financial News & Events, Money Management
So you’ve left school and you’re looking to start your apprenticeship! Welcome to the world of work, it’s exciting, new and there is so much to learn. Find out about deductions in your pay slip, and how to organise your finances to ensure you get the most out of your hard earned money.
Category: Financial Planning, Money Management
We work hard all year to be able to enjoy our holidays, so making every penny count helps you get the most from your trip. Here I want to share some of my ‘quick wins’ to help your summer holiday budget go further – and it’s not too late to prepare a budget and look at the best and cheapest option to afford your holiday.
Category: Money Management
How to spot and avoid a pension scam
September 18, 2020
Think ahead to thrive and survive financially as a student
September 4, 2020
Government debt crosses the £2,000,000,000,000 barrier
August 28, 2020
What’s causing the 2020 gold rush?
August 21, 2020
