All posts by Paul Spencer

Why It’s Important to Keep Your Money in Order – At any Age

Effective personal financial oversight accounts for day to day expenses, as well as monthly bills and obligations. But individual financial management doesn’t stop there – successful money managers also make accommodations for the future, orchestrating savings and pension planning for retirement. That means your role as household financier actually covers several jobs, all rolled into one mighty financial responsibility. With so much riding on positive outcomes, it’s important to keep your finances in order, regardless of your age. Start Saving as Soon as Possible Young people rightly focus on short-term financial needs. They have less experience handling money than their parents do, and often feel as though retirement planning and… read more >>

Plan Ahead for Safe, Affordable Travel

As the summer travel season draws to a close, many UK holidaymakers are already looking ahead to next year’s travel possibilities. Aiming for affordable and safe travel experiences, some UK families are fine-tuning their approach, seeking ways to make future outings even more rewarding than past holidays. If you’re ready to raise the bar on your next holiday, these travel tips can help you cut costs, stay safe abroad, and protect your travel investment. Check For Travel Advisories Travel abroad can put you in harm’s way, so it’s important to research your destination, before embarking. The Foreign and Commonwealth Office provides travel advice for UK holidaymakers, outlining ways to avoid… read more >>

Open Banking Rules Change the Financial Landscape for UK Consumers

Many different factors influence your personal finances, including laws and government finance regulations. Sweeping changes to banking rules are underway, potentially changing the way UK consumers handle theirs cash and credit affairs. Open Banking is Now in Effect Open banking represents a series of shifts impacting the relationship between bankers, consumers, and the personal data that links them. Under the new rules, consumers have greater freedom to share their banking information with other authorised service providers. New open banking regulations require financial institutions to get out of the way when you’re ready to share your personal information with third party service providers. That means customers with money on deposit have… read more >>

Choose Affordable Alternatives to Get Spending Back on Track

Prosperity can be elusive, particularly when your earnings don’t provide surplus funds, after your monthly bills are paid. Operating close to your financial limitations is manageable, but success may require you to pay close attention to your personal cash handling habits. If your household income isn’t rising any time soon, but you need financial relief, review these spending areas for savings you can count on. Get About for Less The cost of getting about represents a substantial sum, so you have to account for local travel spending, or risk paying too much. There are three general options available for UK residents, moving about. Of course the most convenient and accessible… read more >>

Adopt These Frugal Habits for Consistent Savings

There’s no limit to money-saving possibilities, but it’s up to you to make the most of deals and freebies. You may need a push getting started, but once you’ve committed to frugal living, cutting costs becomes second nature. From family fun to everyday purchases, small steps can lead to big savings. Use these cost-conscious suggestions to reduce spending and restore your financial health. Enjoy Free Fun The price of admission doesn’t always guarantee a good time for your family. On the contrary, some attractions and events are a major disappointment – with a pricey toll to pay, just to find out they’re not what you’d hoped for. Rather than risking… read more >>