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

Save it for a sunny day

  It’s storm season, a reminder of that good old fashioned saying that we should save money for a rainy day but is it always the best advice?   We certainly need to be prepared for difficult times. Should we suffer a sudden loss to income, ill health or bereavement, for example, forward planning and good … Continued

money growing and small tree in jar -- saving

Four Financial Habits That Will Change Your Life

  Each year, many people spend the last few days of January frantically going through paperwork to meet the tax return deadline. There are, of course, others who can smugly say that they had the return filed the previous April.  But aside from avoiding the panic of HMRC deadlines, there are many other benefits to … Continued

Smiling woman doing paperwork -- good financial habits

Is 2017 the year the rewrite your life story?

  There is a famous saying by Philip Pullman, author of the Dark Materials trilogy:  ‘After nourishment, shelter and companionship, stories are the thing we need most in the world.’ Stories teach us about the world and the people around us, but most importantly, they teach us about ourselves.   The stories that are most … Continued

My New Life Story Chapter 1 on a typewriter