Financial planning in uncertain times

Whilst government support is helping many businesses and individuals through the Covid-19 pandemic, not everyone has been so fortunate. Indeed, many people have taken pay cuts or lost their jobs in the wake of the virus. To help you during this challenging time, we are delighted to provide two financial…

The link between human behaviour and investing

Financial planning… Isn’t that based on cold, hard facts and scientific reasoning? Surely emotions and feelings don’t have much to do with investing? I think they do. And here’s why. A little thing called human behaviour gets involved, you see. Only it’s not so little. Human beings are highly complex…

4 financial planning tips for 30 and 40 something year-olds

After age 30 it’s likely that financial planning will increase in importance and become a far more serious matter. It’s worth thinking about how things have changed over the past few generations; more and more individuals are going to universities, people are having children later, are buying property (and by…

Have kids? Watch our guide to Junior ISAs

By starting to save early you can give your child a good financial start in life. Junior Individual Savings Accounts (Junior ISAs or JISAs) let you save and invest on behalf of a child under 18. There is no tax on the interest or investment gains, which means the money…

New year, new decade, new approach to your finances?

You may have already made some New Year’s resolutions regarding exercise and healthy eating but could your finances do with slimming down too? The start of a new year, not to mention a new decade, is a great time to review your financial affairs, analyse your spending and make plans…

The 62 per cent income tax trap

Paying tax is a necessary part of earning income and being part of a society. That is accepted. But while you may have thought that the top rate of tax is 45 per cent, there are hundreds of thousands of people paying 62 per cent due to an odd quirk…

How long would your savings last?

A recent survey has found that the normal working person in the UK has around a month’s worth of savings to be able to sustain their current lifestyle should their income cease without notice. The data gathered from 2,000 people found that the average person’s savings would support them for…

Marshmallows and financial planning

The Stanford marshmallow experiment is one of the most well-known pieces of social science research out there. It has arguably affected the way that many people live their lives, as well as providing lots of fun and interest for those with young children who are in the ‘I’ll try this…

4 tips to make your finances less scary this Halloween

With October kicking into high gear, bringing with it fancy dress costumes, thicker coats and fiery-coloured leaves, have a read of our article with its All Hallows Eve theme. If left unchecked, your finances can enter into a scary state, so we’ve included some top tips on how to…
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