What is a bargain?

Here are 5 key rules to have in your mind before you buy anything in a sale… Rule 1: Would you have paid the original price? An often repeated rule, but a golden one is that something is not a bargain if you wouldn’t have paid the original price. Many shops artificially boost the ‘pre’ … Continued

Excited woman shopping online for Christmas bargains pursing her lips in astonishment as she spots something she desires.

The art of celebration

  If you’re looking at your diary and wondering how you will survive the party fatigue (not to mention the cost)  of the run-up to Christmas, you’re not alone. A survey of 700 people revealed that  four out of 10 of us are ambivalent towards Christmas parties with a fifth of people actively disliking them. What … Continued

Two smiling girls drinking colorful cocktails. Watercolor painted picture on paper

What hibernation can teach us about our finances

It’s the time of year when many animals are preparing their winter quarters, topping up stores of food and getting ready for a long winter’s nap, also known as hibernation.   What’s this got to do with finance? A lot actually, because this is nature’s way of helping creatures to survive periods when the resources … Continued

Ginger squirrel sits on a tree in the winter forest. Rodent eating a nut.

Can SAD affect your spending habits?

  As the nights draw in, it is estimated that around one in 15 of us in the UK will suffer from  Seasonal Affective Disorder, but what few of us realise is that the winter blues – as it is known – can also cost us money!   Also known as SAD, Seasonal Affective Disorder … Continued

Seasonal Affective Disorder

How to handle a financial scare

  It’s the witching month, when Hallowe’en will soon be upon us and many of us will enjoy the low level ‘scares’ of spooky costumes and the occasional horror movie.   What many of us can probably also agree on is that there is nothing light-hearted or thrilling when it comes to financial scares. Whether … Continued

Financial scare

Discover Your Own Myths About Money

The children may be bemoaning the start of another school year but there is a lot to be gained from learning new things, whatever your age – no more so than when it comes to managing our personal finances.   At Serenity Financial Planning we open up clients to new ways of thinking about – … Continued

closeup of pot of gold with rainbow with cloudy sky

Why It’s Time For An Adventure

  Whether it’s rainy or sunny, whether you’re heading away or staying at home, there is definitely something about summer that brings a little adventurous spirit to us all. The really great news is that we can use this to improve both our finances and our overall happiness.   It’s not simply supposition but fact … Continued

successful woman hiker taking photo with smartphone on mountain peak cliff

The best way to bank your holidays

When April comes around, many of us have a spring in our step, not just because the weather begins to get warmer, but because we all know that April and May herald the beginning of the spring bank holidays.   At this time of year more than any other, with Easter and then the two … Continued

Dreams of travel are all part of the enjoyment of a holiday

Why LISA might be the new star of the tax year

If you have yet to see much point in saving money in an ISA, a new incentive for 2017 could change your mind. This month sees the launch of a new Lifetime ISA – or LISA. For every pound saved in the tax year – up to a maximum of £4,000 – the state will boost … Continued

The new Lifetime ISA could help to grow your savings

Budget 2017: How Will It Affect You?

A summary by Tina Weeks Philip Hammond delivered his first Spring Budget as chancellor yesterday. We’ve taken a closer look at what he had to say and summarise the most important changes that will affect our clients. The good news is there were no significant tax or pensions changes in this Budget that will have any … Continued

Budget Planning