Unfortunately, our emotions and cognitive bias can have a huge impact on our financial behaviours. Traditional economics assumes that rational decisions are made by individuals. This is compared to the acknowledgments made by behavioural finance which suggests humans are not always logical, especially where money is concerned. Emotions can and often do lead people to […]
Later life is meant to be a time of relaxation and enjoyment, but living on a fixed income can sometimes make that challenging. However, with some careful planning and creativity, older people can live happily without spending much money. Here are some practical ways to save while still enjoying life to the fullest. 1. Cutting […]
Budgeting is a word which can strike fear into the hearts of many. This is because it means, to most anyway, a period of belt-tightening and of denying oneself the most fun things in life. This is what is known as restrictive budgeting. While it works well providing you have the discipline to stick to it […]
Whether you’re dreaming of pristine beaches, vibrant cities, or snow-capped mountains, travelling in 2025 doesn’t have to break the bank. With careful planning and savvy budgeting, you can turn those travel dreams into reality without emptying your wallet. Let’s explore how to make the most of your adventures while keeping your travel budget lower than […]
The high cost of living affects everybody but none more so than older people who may be on fixed incomes. If you want to maintain a comfortable way of life ageing at home and stay in your own home as you age then it’s important to plan for a secure financial future. Income and outgoings […]
As we age it can be hard to find a purpose in life. This means that boredom and lethargy can set in, which can have drastic effects on older people. Boredom can lead to depression and social isolation which in turn can affect all aspects of physical health. This is why it’s important for older […]
The real estate market offers a variety of investment opportunities, and one of the increasingly popular avenues is serviced accommodation. Combining elements of traditional property rentals and hospitality, serviced accommodations are fully furnished properties rented out on a short-term basis, often to business travellers or digital nomads. This hybrid investment model has gained traction due […]
Every year as Christmas rolls around, people find themselves struggling with the extra expense that the festive season brings. This often leads to a situation where they find themselves starting the New Year with debts that they could have done without. It can be a vicious cycle but there are some fantastic things that you […]
On 30th October 2024, the government announced their Autumn Budget. This was the first from the new Labour government and the first ever budget delivered by a woman. The big questions that everyone are asking are what does the budget mean for them? With this in mind, let’s take a look at what the 2024 […]
When you are coming up to retirement it is only natural that you will start to consider not only the change in your day to day life but also the change in your income and how this might affect you. For this reason many people think about the option to downsize their homes when they retire. Lets […]
There are a lot of different ways in which you can earn cashback nowadays. You can do this through cash rewards for using your credit card or through a cashback website. However, before you consider using any of the different ways in which you can earn cashback it is a good idea to read the small print. That way, […]
Good health is clearly important for everyone, but all too often it’s neglected as a priority in life. This is particularly true when you are dealing with other issues in your life. People who have been struggling with long-term injury, illness or issues in their personal life often find this has an impact on their finances, This, in […]
While the gig economy allows project managers to pick from a diverse talent pool and achieve a better work life balance, it does come with its own unique set of challenges. Navigating project management challenges in the gig economy will require adaptability and a strategic approach as well as soft skills such as communication and […]
The receiving and subsequent management of an inheritance at any point present challenges. Learning to manage inheritance can be both financially and emotionally tough. For many, the news that they are to receive a financial windfall comes as a result of the death of a loved one. This can bring not only a new level […]
For most students, living away from home for the first time and getting used to a tight budget can be tricky. You need to ensure that you cover all the important things. Therefore, learning to budget and even save money is essential. It can really add up when you think about it, food, books, accommodation […]
Having a say in the type of care you receive in old age usually requires having the funds available to choose the most appropriate type of care for you. No one knows what the future will hold but one thing we can be sure is that if you have funds available you maximise your options. […]
With interest rates fluctuating – a situation unlikely to change any time in the near future – and the global financial picture far from settled, the idea of rolling debts over for years on end is fast coming to an end. Even those who traditionally relied on credit – and we’re thinking here particularly of […]
When it comes to building a pension pot which can properly last you the main rule is, that the sooner you start the better. Starting your retirement pot as early as possible will give you the best chance of riding out the ups and downs of the pensions market. It will then ensure that you […]
For those looking to grow their wealth there have always been pitfalls and minefields to negotiate as well as advantages which can come with the help of professional finance experts. Now, with the growth of tech tools such as robo advisors and artificial intelligence, it is possible to do away with financial advisors altogether and […]
You would be forgiven for thinking that travel is expensive. It can be, but with the right attitude and some clever tricks there some fantastic ways in which you can reduce the cost of your travel without compromising on any of the experiences. Whether you’re travelling for business or leisure, take a look at our […]