Fundamentally, your credit rating is simply a reflection of how well you manage your money. While the term “credit score” does infer debt repayments, these days, your credit score can be a broader reflection of how you manage your money more generally. It’s pretty near impossible to opt out of having a credit score If […]
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New Financial Year
The 2018/19 tax year starts at the stroke of midnight between the 5th and 6th of April. While many individuals leave tax planning to the end of the tax year, you can look to maximise the benefits by using your personal tax allowances* and reliefs straight away. Please get in touch to take advantage of one or more of […]
Achieving Your Financial Goals
Money only has any meaningful value, when it’s used to help you achieve your goals. When you’re thinking of how to allocate your disposable income, here are five outcomes you may wish to keep in mind. Looking after yourself and your loved ones It may lack glamour, but having the right insurance in place can […]
Decision Time
Arguably the most significant difference between childhood and adulthood is that as adults, the default assumption in most cases is that we have the ability and the authority to take our own decisions about how we want to live our lives. We also have responsibility for dealing with the consequences of them. There are times, […]
Check Your Spam Folder & Your Priorities
Call it spam, call it junk mail, whatever you call it, it’s one of the banes of the digital world and these days many of us get so much email, we just delete the contents of our spam folders without even looking (or leave it to our providers to empty it automatically). Actually, we probably […]
Pension Tax Planning
The financial decisions we take during our working years will have a huge influence on our quality of life when we reach our senior period. Minimising our tax liability is a very significant factor when it comes to saving for our later years, making the most of our pensions and, ultimately, ensuring that our estate […]