Organisation

 

Enjoy your Christmas – and the New Year too

Christmas is one of those times of year where sensible people do some silly things. We might have been good all year when it comes to our health, diet or money, but then the jingle bells come on the radio and the streets are decorated with magic, and we forget everything and overindulge!

November 30, 2018
 
 
 

The Path to Happiness

For many, we feel we need something to make us happy, a new job, a new relationship, more money.  The fact is, although we may like having these things, they won’t make us happy.  We can decide to be happy with them, or without them because our happiness will not come from the outside, our happiness will only come from within.

November 9, 2018
 
 
 

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
 
 
 
Money management for kids

I’ll Help you to Save Scheme

The government have just launched a new savings scheme called “Help to Save”.  It allows you to save upto £50 a month over four years (up to a maximum of £2,400) and receive a 50p bonus for every £1 you save. Find out more about the benefits on this scheme along with how you open an account.

October 19, 2018
 
 
 

It’s time to get smart about Credit (DEBT) Day

In the US, the third Thursday every October is Get Smart About Credit Day, and we should piggyback on that here. It could be called Get Smart About Debt Day, because that’s exactly what credit is, it’s not our credit, it’s our DEBT. Whatever you want to call it, use the day to begin the process of climbing out of debt with my simple tips.

October 17, 2018
 
 
 
Pension freedom Q&A

Bank of Mum and Dad? Put Yourself First

Parents helping out their children (and grandchildren) financially is a tricky topic because it’s so caught up in emotion and love that it’s not always easy to make sensible decisions. I have two kids and I love them dearly – but there’s a reason it tells you on the airplane safety briefing to put your own mask on first before you help your children. In the same way, financial support for your family is a case of secure yourself first.

October 15, 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
 
 
 
 
 
 
 
 
 
 

Happy New Tax Year – Invest Options

Now is a great time to make an ISA and Pension investment, taking advantage of your ISA and Pension allowances early in the tax year means you get an extra 12 months tax free growth plus you’re sat happy when everyone else is rushing around at the last minute!

April 10, 2018
 
 
 
 
 
 
 
 
 

My little tax secret!

The final countdown, you have until 31st January to pay your tax bill. Do you have the money? If not, call HMRC and speak to them to see if you can arrange a payment plan – don’t bury your head, it will make you feel worse and not help anyone. You really need to call…

January 27, 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
 
 
 

How to make financial independence automatic

Helping clients to make the right choices for regular savings and lump sum investment is one of the key roles of financial planners.  Making the wrong choices can cause serious financial detriment and this consequence, together with relative complexity over the choices and difficulty in “self-serving” the answers, are the three key components underpinning most…

July 19, 2017
 
 
 
Expenses Summer

7 Most Commonly Missed Expenses for July

July is almost here! It’s the month when we fill our schedules with holidays, parties, children’s activities and dare I say it BBQ’s! With so much fun going on, it’s easy for certain events—and the costs that go with them—to sneak up on you. So, make sure you make plans for these expenses so you…

June 1, 2017
 
 
 

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