How to save for Christmas

While Christmas feels like it is a long way away, we need to start thinking about it again. It is a time of joy, family and gift giving; but it is also a time of raiding our savings. We need to take a more proactive approach to how we fund our Christmas spending. This isContinue reading “How to save for Christmas”

ETFs or Individual Stocks: Which One Should You Invest In?

When it comes to investing everyone has their view on what you should be putting your money into. Plenty of people are convinced that you should only put your money into real estate, or cryptocurrency, or gold etc. There are also people who swear by the stock market, but these are usual split into twoContinue reading “ETFs or Individual Stocks: Which One Should You Invest In?”

What is a Junior ISA (JISA)

It’s important to think about you child’s future, we all want them to be better off than us. One of the ways you can do that is by opening and contributing to a Junior Individual Savings Account (JISA). It is also important to involve you child in their financial future. Many parents are uneasy withContinue reading “What is a Junior ISA (JISA)”

Total Portfolio Update: October 2020

I haven’t done a portfolio update since the end of August, for that I am sorry. With the easing of lockdown and returning to full time work it has been a struggle to organize time to blog. However, that being said I have a program and timetable put together now to ensure a new articleContinue reading “Total Portfolio Update: October 2020”

How to Budget

Being able to budget is an essential part of managing your personal finances. Without knowing the figures it can be very difficult to save money, pay off debt and reach financial independence effectively. This post will take you through the steps to budget effectively and kick start your financial journey. What is a Budget BeforeContinue reading “How to Budget”

Build Assets, not Liabilities!

If I was to ask you, do you know the difference between an asset and a liability, you would probably respond with ‘yes’. But do you? If everyone thinks they know the difference, why is it that the majority of people have more liabilities than assets? This is the question we all need to askContinue reading “Build Assets, not Liabilities!”

Emergency Fund

What is an Emergency Fund An emergency fund is an easily available pot of cash to be used for any emergency or unexpected expenses. Such expenses include losing your job, the boiler breaks or your car breaks down. The purpose of an emergency fund is to provide you with a level of financial security incaseContinue reading “Emergency Fund”

2020 Financial Goals

Happy New Year, as we are now 6 days into 2020 we thought it might be useful to discuss financial goals for the year ahead. Financial goals like most other goals are very personal and subjective to individual circumstance, and therefore this post will aim to address a number of different starting points and circumstances:Continue reading “2020 Financial Goals”