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
I am all about saving money and making the money I have work harder for us, so that I can spend more time doing the things I enjoy and that are important to us, I’m sure you’ll agree that is what we all want.
Category: Money Management
When you think of financial planning, what comes to mind? Boring discussions on pensions? Wealthy people hiding their money offshore to save tax? Neither could be further from the truth. Financial planning is used by millions of people worldwide, people just like you.
Category: Financial Planning, Money Management
Readers Question: Can I use my spouse’s tax allowance?
November 15, 2019
November 8, 2019
Styles of Investing; Active or Passive
November 8, 2019
Early retirement with a defined benefit pension
November 3, 2019
The taxing decision of pension withdrawals
November 1, 2019
