It is a new relevant new term in the world of personal finance in that, people are saying “enough” to so called impulsive spending. Which causes financial stress or worry, uncertainty, regret on an instant decision, whim or spare of the moment decision. So instead people are trying to channel […]
Category: saving
What is talk money week ?
Talk Money Week is an annual campaign that hopefully encourages open discussions, conversations and engagement into personal finance. Financial well-being, money management where individuals become connected with their finances. The subject of personal finance, or the world of investing can appear too complex and confusing to most people. As we […]
Do I need a financial lifetime plan ?
For the vast majority of people the idea of personal finances and the world of savings and investing can appear daunting, confusing and complicated. Probably because we are never taught the basics from school education or our parents as the subject is considered taboo to discuss. But have your ever […]
How to sort out your finances in 2025
The start of each new year, is considered a very apt and appropriate time to get your financial affairs in order. Or at least in a better financial position. So what sort of steps can you take to get your finances in order in 2025. The start of each year, […]
What is a Junior ISA ?
A Junior Individual Savings Accounts (ISAs) are long-term, tax-free savings accounts specifically designed for children. So who can open a Junior ISA ? Your child must be met the following conditions: What if your child lives outside the UK ? Your child can only get a Junior ISA, if both the following […]
What is a lifetime ISA
A Lifetime ISAs (LISAs) can be opened by anyone aged 18 to 39 within the UK. They offer a 25% bonus on savings used for retirement or buying a first home. If you pay in the maximum of £4,000 this tax year, the government will give you a bonus worth […]
The Fastest Way to pay off Debt !
The 1st rule of personal finance should be to eliminate unnecessary bad debt. Before you even consider the idea of saving, investing or trying to create wealth. Most people struggle financially on a day to day basis, because they may be burdened with bad debts to fund day to day […]
New Personal finance changes as of April 2024
So let’s look at the new changes that have been introduced for April 2024. The start of any new tax year normally brings a raft of changes that will impact the personal finances of individuals. New bandings and rates are usually implemented on 6th April being the start of each […]
How to spring clean your finances
How to spring clean your finances ? Most people see the time of January as a time to reflect on their current personal position. Whether that relates to finance, health, goal setting and aims for the year. However the idea of changing your financial situation for the greater good can […]