5 ways to boost your Christmas kitty

If you’re looking for ways to get on top of your money in the run up to Christmas, here are 5 things you can plan in less than an hour so your cash goes further.     Work out your money trade-offs At some point in their lives, everyone has had to make trade-offs with … Continued

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What harvest festival can teach us about finances

  Harvest Festival will soon be upon us.  Those harvest baskets full of fruits and vegetables and celebratory songs have been a way of giving thanks since pagan times.  But Harvest Festival is more than just a celebration – it has also been used as a way to save food and supplies in times of … Continued

Harvest festival

Use It Or Lose It

You’re looking forward to the day when you can finally stop working and do all those things you’ve dreamt about – spending more time with the family, travelling to glorious places you’ve seen in magazines, getting fitter, taking up a new hobby, becoming more active in the community etc. You’ve spent time with your financial … Continued

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How To Get Your Missing Hour Back

We all know when the clocks ‘spring forwards’ we don’t actually lose an hour. But the truth is, until the clocks go back again in October, we sort of do. What is most interesting is how quickly we adjust to the change. In all aspects apart from one key element, saving time is much like … Continued

get missing hour back

Sustainable Investing – is it sustainable?

A guest blog for Serenity Financial Planning by Alistair Meadows, Investment Analyst at EBI Portfolios “Money is better than poverty, if only for financial reasons.” – Woody Allen Sustainable Investing is hot right now; a Google search reveals a plethora of SRI (Socially Responsible Investing) or ESG (Environmental, Social and Governance) funds in the pipeline as Fund Managers rush to meet demand … Continued

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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

Would you be happy renting in retirement?

                A major goal for many during their retirement will be to enjoy their home after finishing paying off their mortgage. Depending on when you purchased your house however, and with house prices seeing a rise of 30% in the past decade, owning outright is becoming more difficult … Continued

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Update: the knock on effect of the interest rate cuts

Following the Bank of England’s decision to cut interest rates to a record low of 0.25% at the beginning of August and the initial reaction to that from within the financial sector, the resultant effects continue to be felt over a month later. Cash savings accounts have been hit the hardest, with some banks making … Continued

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Earning over £150,000? You need to review your pension. Here’s why.

            If your annual income is above £150,000, then your pension allowance has been subject to tapering since April this year. For every £2 of income over £150,000, your £40,000 annual allowance is reduced by £1, with the reduction rounded down to the nearest whole pound if necessary. Reductions are … Continued

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