Author: Richard Fearn
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Your Spring Statement update – the key news from the chancellor’s speech
After Rachel Reeves’ impactful first Budget in autumn 2024, you might have been concerned about the announcements that would be included in her Spring Statement on 26 March 2025. Reassuringly, the major headline from this year’s springtime fiscal event is that Reeves made few announcements that are likely to affect…
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Guide: The home movers guide to mortgages
Whether you’re just exploring your options or already have a property earmarked for your next move, there are some important things to consider when it comes to buying your next home. The housing market and mortgage landscape may have changed in the years since you bought…
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Average Brit takes risk by delaying life insurance decision by 10 months
While it’s important to weigh up your options before making financial decisions, a study suggests families are leaving themselves open to risk because they delay making a judgement about life insurance. According to a January 2025 report from the Post Office, the average Brit takes more than…
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Why locking in a new mortgage deal could save you money
Even if your current mortgage deal doesn’t expire for a few months, searching the market now could be worthwhile and might even save you money. You can usually lock in a new mortgage deal up to six months before your existing one ends. While it might seem like a non-essential…
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How to practice mindfulness when managing your money
How you approach managing your finances could affect your ability to reach long-term goals. The Japanese spending philosophy “kakeibo” could help you practice financial mindfulness and get more out of your assets. Spending money without thinking about how it’ll affect your long-term finances could mean you miss opportunities to secure…
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The potential perils of accessing your pension at 55
Reaching the minimum pension age and being able to access your retirement savings might mean new possibilities opening up. You may start thinking about giving up work, withdrawing a lump sum to pursue a goal, or using your pension to boost your regular income. It’s an exciting time, but it’s…
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4 ways that money can make you happy
This guest blog was written by Chris Budd who wrote the original Financial Wellbeing Book, and also the Four Cornerstones of Financial Wellbeing. He founded the Institute for Financial Wellbeing and has written more than 100 episodes of the Financial Wellbeing Podcast. Money holds an important role in all…
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How financial planning could help you overcome decision paralysis
How long do you leave essential tasks on your to-do list? If you’ve put off tasks because they feel overwhelming, you’re not alone, but delays could be harmful. Read on to find out how financial planning may help you overcome decision paralysis. According to a January 2025 study from the…
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A Short, Simple Guide to the State Pension
The UK State Pension is fairly complex and has been subject to several changes over the years. Despite calls for successive governments to simplify the system, it remains confusing and intimidating for many people. If you are feeling overwhelmed by the State Pension or simply want to find out more…
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What Falling Inflation Means for Your Finances
Following a cost of living crisis spanning almost two years, the rate of inflation has dropped to 3.9%. This is still relatively high, considering the Bank of England’s target is 2%. But having seen rates of over 11% in recent memory, there are strong indications that price…
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Tax Year End Planning Guide – 2023/2024
With the end of the tax year fast approaching, it’s a good time to organise your finances and make sure you make the most of your tax allowances, reliefs, and exemptions. Some of these allowances will be lost if you don’t use them before the end of the tax year.
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A Short Guide to Getting Your Finances in Shape for 2024
As we approach the end of 2023 and reflect on the past year, it’s worth taking a moment to consider whether you are on track to meet your financial goals. With the excesses (and likely overspending) of the festive period, this could be a good time to think about improving…