Author: Jo Jeffries

Investing Smart – How to Measure Risk When Choosing Investments

Investing Smart – How to Measure Risk When Choosing Investments

The finance and pension markets are currently volatile, and most banks currently refuse to pass on interest rate rises to loyal customers. It is, therefore, unsurprising that people are thinking of turning to the investments market. They do so to try and make the most of their money and potentially boost their retirement. It has […]

Savvy saving for Christmas

Savvy saving for Christmas

Whilst some people might claim there’s a time when it’s too early to put up the Christmas decorations, it is really never too early to start thinking about next Christmas. With some really careful planning, there are some very good savings available throughout the year that can really help to spread the cost. So if […]

Money Management for your First Year at Uni

Money Management for your First Year at Uni

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 […]

Breaking Bad Money Habits

Breaking Bad Money Habits

A new year has rolled around and you may be hoping to start afresh with resolutions for a new you. Make this year the year you resolve to break those bad habits which you may not even realise you had, that are stopping you from managing your money properly.  Invisible Spending What do we mean […]

When should you begin to think about pensions?

When should you begin to think about pensions?

If you have started your first full time job, then you should really start to think about paying into a pension. It is never too soon to start putting even a little bit of money away towards your retirement; and whilst that really might seem like such a long way off when you are still […]

Prioritise your debt – what to pay off first?

Prioritise your debt – what to pay off first?

Debt can be terrifying, crippling even. If you are juggling multiple different debts then it can be hard to know where to start. The best thing that you can do is tackle your debts. You can get them on track so that you can be debt free as soon as possible. The big question is: how […]

Is It Time To Ditch The Cash ISA?

Is It Time To Ditch The Cash ISA?

A cash ISA is simply a savings account that you don’t pay tax on. You can put £20,000 each tax year into a cash ISA, and it remains tax-free year on year. Cash ISA savings do not count towards the PSA (personal savings allowance). Yet, for many, such benefits are no longer relevant. This is […]

Subscription services – which to keep, which to cancel

Subscription services – which to keep, which to cancel

The cost of living in the UK has increased by huge amounts. According to the Office for National Statistics, in April 2022, 87 per cent of adults reported an increase in the cost of living. You only need to turn on the news to hear about the cost of council tax increases, the energy bill crisis, and […]

Cutting The Costs Of Higher Energy Bills

Cutting The Costs Of Higher Energy Bills

You can’t help but notice that the cost of energy bills is rising. The energy price cap will increase a staggering 54% from April and may rise further in October. We will face higher bills, at least for the foreseeable future. With energy companies hiking daily charges by vast sums which cant be avoided, it […]

Subscription Shopping: The Good and The Bad

Subscription Shopping: The Good and The Bad

Subscription shopping has actually been around for a decade or so now. However, it is spreading its tentacles across an ever wider product range. Certain products may well lend themselves to the concept of subscription shopping. We’re thinking here of things like pet food and cosmetics, things which, once you’ve decided to stick with a […]

How to conduct a January personal finance audit

How to conduct a January personal finance audit

Finances change on a fairly regular basis, whether you get a raise in your current job or start a new one, the prices on your utility bills can go up, and of course they will fluctuate with the seasons. Taking the time to conduct a personal finance audit can be a good way of keeping all of […]

Should You Go Through a Broker for your Mortgage?

Should You Go Through a Broker for your Mortgage?

Taking out a mortgage is a huge decision and it is worth taking time to do your research in order to get the best deal as the mortgage market can be a very complex minefield to wade through with many different types of deals on offer. What is a mortgage broker? A mortgage broker is […]

Annuities Explained

Annuities Explained

Whether you’ve been offered an annuity or you’ve heard the word mentioned and would like to know more about whether one would be right for you, this basic explanation may help you decide. What is an annuity?  An annuity is a written agreement between you and an insurance provider that allows you to accumulate funds […]

Buying a Home vs Renting a Home

Buying a Home vs Renting a Home

Everyone has a different opinion on renting vs buying, but which one truly is the best route to take? That depends on so many different factors, it’s impossible to answer in general. But with the proper information, each individual can make an informed decision that best suits their current situation. Buying a home is a […]

Recovering From Credit Fraud

Recovering From Credit Fraud

Identity theft and credit card fraud is one of the fastest-growing threats to personal finance today. Latest figures for credit card fraud are estimated at around 39% of fraud cases in the UK for 2018 according to Which? magazine. It helps to know what credit fraud is and what you can do if it happens […]

Should you combine your pension?

Should you combine your pension?

Whilst you may currently be saving for a pension or even have more than one pension, you could be considering the possibility of combining them.  If, over the years, you have accumulated more than one pension from different jobs, it can prove difficult in keeping track of them and their performance. When looking at combining […]