As a lover of Scotch malt whisky, Ken Loach’s Angels’ Share film provided superb entertainment for me one October evening whilst on holiday in the Scottish Highlands (after the kids were safely tucked up in bed!) The devastating realisation that a percentage of whisky evaporates as it matures for years in oak barrels made meContinue reading “Don’t give up your angels’ share”
What’s your plans for this lockdown Valentine’s Day? Restaurant owners will be counting the cost of lost business as the ‘stay at home’ guidance drags on, but maybe you’ll be planning a romantic dinner at home? It could be the ideal opportunity to talk about something many of us avoid – not money, as such,Continue reading “Three money tips for a romantic re-balance”
At what age do children begin learning personal finance at school? Oh yeah…… they don’t. Well, not to a level that prepares them for adult life anyway. And did you know that most of our money attitudes are developed by age 7? So it’s never too early (or too late) to learn about personal finance.Continue reading “Can your kids talk the language of money?”
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”
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”
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”
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”
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”
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”
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?”
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