Investing is a tried and tested way of protecting against the ravages of inflation

This week, we get UK inflation figures. Last month, the annual inflation rate fell to 2%, and it’s forecast to come in at 2% again this time. This means that inflation is now at the Bank of England’s target rate.   Continue reading

ISAs: 25 years and counting

Since being launched on 6 April 1999 as successor to PEPs and TESSAs, the Individual Savings Account (ISA) has become an integral part of the UK savings and investment landscape.  Continue reading

Brighter days ahead

This year, summer brings hope of a better financial future as inflationary pressures recede and the economy continues to grow. It could therefore be an ideal opportunity to prioritise a range of pension-related issues in order to ensure brighter days do lie ahead.  Continue reading

Your bonus, your pension?

Receiving a bonus at work as a reward for a job well done is highly satisfying, but with bonuses subject to Income Tax and National Insurance Contributions, you face losing a significant portion of your hard-earned money. A bonus may even push you into a higher tax band, meaning that you receive an even smaller sum than expected.  Continue reading

Election Debrief – July 2024

Following weeks of intense campaigning, the electorate has delivered its verdict. As widely expected, the Labour Party has secured a historic landslide victory,  Continue reading

You reap what you sow with Investments (…and Vegetables!)

For those who don’t already know, I have an allotment, and this time of year is particularly rewarding because I see the fruits of my labour.   Continue reading

Your pension and the next generation

If you thought your pension was just your retirement savings then think again.  Continue reading

Children top up pocket money with extra work

Financially stretched parents are less likely to give youngsters a weekly allowance than they were the previous year, according to NatWest Rooster Money. But children are supplementing their incomes, thanks to completing other work at home and for themselves. That takes overall weekly income up by 3p on a year earlier to £9.23, the report estimates.  Continue reading

In investing, and life in general, persistence pays off.

This week saw the beginning of Wimbledon and we can all agree that Roger Federer is among the world’s greatest ever tennis players. What made him so successful is that he won over 80% of the more than 1,500 matches he played throughout his career.  Continue reading

Economic Review – June 2024

This economic review is intended to provide background to recent developments in investment markets as well as to give an indication of how some key issues could impact in the future.  Continue reading

Connor Lynch is boxing his way to success!

If you live in or around Greater Manchester and have an interest in boxing, the chances are you’ll have heard the name of an up-and-coming professional boxer called Connor ‘Lightning’ Lynch.   Continue reading

How much do British weddings cost in 2024?

he ‘best day of your life’ is likely to be the most expensive – especially if you’re getting hitched in London! It’s supposed to be one of the best days of your life, but it is likely to be one of the most expensive, too.  Continue reading

How your spare room could be worth thousands

Rent out space in your home and you could boost your income by more than you think.  Continue reading

Protect yourself from Doorstep Fraud

A cold-caller may offer you a service you don’t really need. They may claim to have noticed something about your property that needs work or improvement, such as the roof, and offer to fix it for cash or an inflated price.  Continue reading

Make it easier to ease down

Bookkeeper Caroline Brewer wanted to go freelance in the run-up to retirement. When she asked her financial adviser how best to achieve this, the focus was on tax efficiency.  Continue reading

How to catch a break in a taxing year

With a general election on the horizon and a series of tax changes due, it’s important to know how to make the most of your money.  Continue reading

Landlord mortgages in arrears double in a year

The number of landlords who have fallen behind on their mortgages has jumped, according to figures from the banking industry.  Continue reading

Urgent state pension warning as more people know offside rule than retirement age.

Many Brits know the rules of football better than the rules of retirement, leaving them at risk of poverty in old age  Continue reading

Protect yourself from Cash Machine Fraud

Cash machines (ATMs) are a very safe way to access your account and help avoid the risks of carrying large amounts of cash. Millions of transactions are made through the LINK system every day and the chances of becoming a victim of ATM crime are very low. However, there are a number of steps which all cardholders can take to help fight ATM crime. In particular, it’s important to take the very simple step of covering your PIN with one hand as you enter it with the other.   Continue reading

Martin Lewis issues a “crucial” warning to all unmarried British couples

Martin Lewis has issued an urgent warning to unmarried couples who live together, stressing the importance of addressing will-related matters.  Continue reading