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The Bigger Picture

Why you need a vision board, even if you don’t believe in the woo woo stuff

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Do you have a favourite pen?

Which is more important, the pen or the hand that holds it?

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How to ensure you and your business survive the school holidays!

Is there anything you can do to ensure that you have a calmer experience when you take time out of your business for a holiday – or are you destined to work 52 weeks of the year forever?

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How to legally change Grandad’s Will

A deed of variation (DOV) is a legal document that allows the beneficiaries of an estate – if all of them agree – to make changes to a will, in the name of the deceased, after their death.

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How to cut your Inheritance Tax Bill without allowing your kids to squander the money

Inheritance Tax (IHT) is one of the taxes that most people seem to particularly resent paying, you work hard all your life, invest your money well, and then when you die your children (or other beneficiaries) face a potential tax bill because of your success.

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How to save £19,000 in Tax by giving £25,000 to Charity

There are many tax benefits to be had from giving to charity, depending on how and when you do it which can be a further bonus to you as an individual or as a business owner.

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Growing the Dream

Part of the reason that we wanted to move to the countryside and buy a house with land was that we wanted to be able to grow more of our own produce than we’d been able to do in our suburban garden.

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Does the wrapper matter if the contents are the same?

Now this could be an article about fizzy drink, chocolate or any other thing – and you could be wondering what on earth would prompt me to write about such things – but hang in there, this does have a financial relevance. The purpose of a wrapper is to hold the contents inside, and to …

Does the wrapper matter if the contents are the same? Read More »

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Why you shouldn’t be saving for your future

At some point, most people start to think about putting money away for the future in some form – the deposit for a home, a dream holiday or your retirement and what you choose to do next can have a massive effect on the end result.

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Building the right team – interview secrets

There comes a time in most business owners lives when they will need to hire some staff, or contract with a freelancer to support their business in some way. Taking on the right people to fulfil the right roles is crucial.

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4 Legal and Ethical Ways to Reduce Your Tax Bill – Part 4

You’ll receive tax relief on all payments you make into your pension – whether it’s a company pension, personal pension or stakeholder pension – if HMRC has approved the pension scheme.

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4 Legal and Ethical Ways to Reduce Your Tax Bill – Part 3

Gift Aid is a way that charities can boost their donations without it costing you any extra, and in some cases, you can benefit too by paying less tax – simply by completing a gift aid form with the charity concerned and letting HMRC know about the donations that you have made.

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4 Legal and Ethical Ways to Reduce Your Tax Bill – Part 2

In part 2 of our quick wins for busy people, we look at the Marriage Allowance.

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4 Legal and Ethical Ways to Reduce Your Tax Bill – Part 1

There are 4 simple things that you may be able to do to reduce your tax bill and only pay the amount that legally and ethically you need to. Part 1 – Check your tax code

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Want to be a Financial Adviser or Football manager? There’s not much difference…

How on earth can you compare the job role of a Financial Adviser with that of a football manager? Let’s see if I can use the analogy to explain better what it is that I do all day.

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Don’t Save it for Best

Why we don’t have a ‘best’ dinner service anymore.

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The Value of “Whole of Market” Mortgage Advice

With the rise of information available online, it can be tempting to cut out the middleman when searching for a new mortgage and some people may even think they can save money doing so, but there are other considerations to take into account.

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3 things to teach your kids now, to stop them running up debts as adults (Lesson 3)

Lesson 3 – You will always have more than some people do, and less than others.

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3 things to teach your kids now, to stop them running up debts as adults (Lesson 2)

Lesson 2 – Free money is brilliant!

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3 things to teach your kids now, to stop them running up debts as adults (Lesson 1)

Lesson 1 – If you don’t have it, you can’t spend it