Money is not the problem – it’s your habitudes

Money is often the source of arguments, anxiety and judgement. Lack of it can prevent life goals from being achieved, too much can attract criticism and envy. The absence of financial education in schools and workplaces is often blamed, but that’s only part of the problem. It’s our money ‘habitudes’ that often drive financial success,Continue reading “Money is not the problem – it’s your habitudes”

What Financial Coaching is Not

Financial coaching is a relatively new concept in the UK. Although it’s not very well known yet, it could help millions of people. To be clear, it’s not advice, it’s not therapy and it’s not just for the wealthy. But it can transform the financial outlook for whole families. To get a better feel forContinue reading “What Financial Coaching is Not”

Why people retire poor: Parkinson’s Law

Most people retire poor, or at least they don’t fulfil their dreams. That seems to be the consensus of statisticians and academic studies. In the UK, nearly 2 million pensioners are defined as being in poverty, according to Age UK. That means living on less than 60% of the UK’s average income. Many more don’tContinue reading “Why people retire poor: Parkinson’s Law”

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”