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Inflation: paddle boards and economics

This week’s blog comes from a sunny Dornoch, where I’m loving the early autumn warmth with the family, our trusty VW campervan and a new inflatable paddle board. I must admit, the 12v electric pump for the paddle board is a superb accessory. Effortless and automatic inflation to just the right pressure, then we’re offContinue reading “Inflation: paddle boards and economics”

Don’t let pension rules dictate your future lifestyle

This morning, I asked my 10-year-old son what a pension is. He said, “It’s a bunch of money you get, when you get old”. Not a bad explanation, I thought, so I asked him what “old” meant, and he said, “about 70 or 60”. Again, a pretty good answer in the context of pensions. I’veContinue reading “Don’t let pension rules dictate your future lifestyle”

Money, emergencies and rainy days

Most of us like the idea of having money set aside for a rainy day and generally speaking, financial advisers will tell us to keep at least 3 to 6 months’ of expenditure aside for emergencies. I agree, but what’s difference between a ‘rainy day’ and an ‘emergency’? According to a report by comparison websiteContinue reading “Money, emergencies and rainy days”

5 questions to help decide if financial coaching is for you

You’ve possibly never even heard of ‘financial coaching’. It’s still a relatively new concept in the UK, although it’s pretty well established in the US. First of all, it’s maybe best to understand what financial coaching is not. Most importantly, it’s not about the sale or intermediation of financial products – a financial coach willContinue reading “5 questions to help decide if financial coaching is for you”

5 things to consider before taking a mortgage holiday

First things first. There’s no such thing as a “mortgage holiday”. It’s better to use the term “mortgage payment deferral”. According to UK Finance, more than 2 million homeowners and landlords affected by Covid-19 have been granted payment deferrals. This will have provided short term relief to workers who find themselves struggling at this time,Continue reading “5 things to consider before taking a mortgage holiday”

Sustainable Finance and Wellbeing

Has 2020 changed your outlook on life? There’s been a torrent of negative news about coronavirus this year, but there are pockets of positivity where people are finding time to reflect on the bigger picture. The experience of ‘lockdown’ has enabled many of us to appreciate what used to be taken for granted – timeContinue reading “Sustainable Finance and Wellbeing”

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