With Lent upon us, even the non-religious amongst us will think of something that we can perhaps give up for Easter. Usually, we pick something to do with our diet — sweet treats and alcohol are often the most popular things to give up. But what about our finances? There are undoubtedly expenditures within … Continued
It’s the time of year when the clocks spring forward, and the days are getting longer. And according to numerous studies, it’s not just our sleeping habits which are affected by this, but our spending. Studies reveal that people tend to shop, dine out and engage in commercial activities more frequently in after-work daylight. So, … Continued
They say Money Can’t Buy You Love, but as Financial Life Planners, we know that while talking about money is not typically a conversation for Valentine’s Day, it can certainly enhance your romantic relationships. In the long run it can also improve your financial wellbeing…. A recent survey of 2000 British adults revealed … Continued
While not everyone needed to be concerned about the 31st January deadline to submit Self Assessment tax returns, for those who are registered as self employed, it’s always a date etched deeply into the conscience. And yet, according to HMRC, in 2018 nearly 750,000 people missed it, most incurring fines as a result. Get … Continued
By Tom Desborough, Serenity Financial Planner We’re now a year and a half on from the vote to leave the European Union, yet the negotiations between the UK and the EU seem to be gaining little traction, the longer term implications of the UK’s withdrawal still remain unclear and we’re left with that now familiar … Continued
More exciting news from Serenity! Our client support team has recently been boosted with the arrival of Hollie Simpson who joined us as a Client Relationship Manager based in our Admin Hub in Lincoln. Originally from Newcastle, Hollie recently moved to Lincoln having worked for Santander Bank. She brings with her valuable experience and skills in … Continued
By Ian Kemp, Serenity Financial Life Planner I’ve been reading the Which? ‘planning for your retirement’ booklet, and it’s a pretty comprehensive summary of things you need to think about. But it struck me there’s one enormous hole in the 34 pages……. There is not one word about what retirement means, so what is it … Continued
Many of us are aware that if we decide to buy Christmas decorations and lights in January we can make huge savings on the prices which will be charged next December. But the same seasonal fluctuation in prices is true for many items throughout the year, some of which may surprise you. Here is a … Continued
It’s the time of year when we are faced with a barrage of advertisements from price comparison websites reminding us of the importance of checking how much we may be able to save if we switch everything from energy providers to mobile phone operators, broadband packages to home insurance. Whilst there is no doubt … Continued
In the run up to Christmas, there is no shortage of charities appealing for our attention and, crucially, our money. Christmas cards, calendars and other gifts are marketed and, if it is a cause close to our heart, then we will dig deep and buy some. But is it really the best way to … Continued
