New Year Resolutions? No Thanks

Apparently, the most popular New Year Resolutions are 1. Exercise more….. 2. Lose weight…. 3. Get organised…..*yawn* bored already. No wonder most people don’t stick with their own resolutions. I get the sentiment of it all and I actually like setting goals and creating plans to achieve them. But I don’t think I have theContinue reading “New Year Resolutions? No Thanks”

The Joy of Christmas Gifts and the Woes of Christmas Debt

What do society, friends and family expect of you at this time of year? Is the pressure on to find gifts that will deliver Christmas Joy as an antidote to the long, dark, winter nights? According to the Bank of England, the typical UK household spends an extra £800 in December – £3,300 compared toContinue reading “The Joy of Christmas Gifts and the Woes of Christmas Debt”

Cyber Monday, Black Friday, Drugs and Biases

The Black Friday and Cyber Monday bombardment of emails and adverts has begun. This American phenomenon, which made its way over to the UK a few years ago, has become an annual frenzy of consumer meltdown. For some, it’s a chance to grab genuine bargains but for others, it triggers a perfect storm of behaviouralContinue reading “Cyber Monday, Black Friday, Drugs and Biases”

Price is what you pay, value is what you get

One of the best-known quotes from investing legend, Warren Buffet: “Price is what you pay, value is what you get” Warren Buffet What does it mean? Well, the quote is set in the context of investing – buying stocks and shares in companies around the world. But the message is just as relevant to spendingContinue reading “Price is what you pay, value is what you get”

Knowledge, Skills and Habitudes

We are born with no financial knowledge and due to a lack of financial education in schools, most of us reach adulthood with little understanding of money. That included me, by the way, even though I went straight from school to work in a bank. The lack of knowledge can be fixed with a bitContinue reading “Knowledge, Skills and Habitudes”

Pay Yourself First

How important do you rate your future self? It’s a question you may not have thought about much. Not properly. But assuming you do consider your future life to be important, you need to make an investment. That means balancing what you spend now against what you want to enjoy in the future. One ofContinue reading “Pay Yourself First”

Have you claimed your ‘working from home’ tax relief?

Well, that’s the central heating on again, now that the clocks have gone back for the winter. This year, along with millions of other households, it will need to stay on more than usual due to us working from home. Fortunately, there is a little bit of financial help available for employees. Her Majesty’s RevenueContinue reading “Have you claimed your ‘working from home’ tax relief?”

3 ways to increase the joy of giving

How often do you support good causes through raffles, cash donations and other fundraisers? These efforts not only have an important benefit to our local and national third sector organisations, but for us individually, it can provide a great sense of well-being. Studies show that charitable giving doesn’t just benefit the organisations we help. ItContinue reading “3 ways to increase the joy of giving”

Time to get off the Hedonic Treadmill?

Do you sometimes find yourself dreaming about how good it would be, or how much better you would feel when you got what you wanted? A new car, a bigger house, a promotion at work, a special holiday, even a new partner. Getting those things give us a boost of happiness, but have you everContinue reading “Time to get off the Hedonic Treadmill?”

3 Simple Steps towards Financial Freedom

What does financial freedom mean to you? Most people have a vague notion of wanting to get there, but it’s tricky to define. It can mean different things to different people. But generally, it’s about having financial choices in life. Invariably, it involves the accumulation of wealth and for that to happen, your need toContinue reading “3 Simple Steps towards Financial Freedom”