Investing for children

As a parent, you want to do everything you can to ensure that your children have a bright and secure future. One way to do this is by investing on their behalf. Not only can they start adulthood with some savings, but getting children involved early with saving also helps them learn important lessons about […]

Investing Guidelines To Live By

Saving may preserve your capital but it’s unlikely to grow it enough to beat inflation over the long term. That means, if you really want to grow your money, you probably need to get into investment. With that in mind, here are five key investing guidelines to live by. Always have a clear investment strategy […]

How To Make The Most Of Your ISA Allowance

The arrival of a new year means that people in the UK have essentially three months to use up any tax allowances they still have. If you haven’t used up your full ISA allowance, you should make it a priority to do so, if you can. Here is a quick guide to help. The basics […]

What’s stopping you from saving?

Generally speaking, and subject to investment charges and performance, the more you save and the earlier you start saving the better shape your finances are going to be in when you need to draw on them. So why is it then that many of us are reluctant to put money aside for a rainy day, […]

Investing So Your Children Can Afford To Move Out

A child’s first day at school is a big moment for both them and their parents.  For most parents, however, it’s also a relief, especially financially.  Even so, time flies and it really won’t be too long before they’re grown up and looking to leave school.  At that point, a parent’s life can start to […]

Simple ways to cut your spending

Most of us would like to reduce our outgoings and put a bit more money away each month, so here are our tips to help cut out unnecessary spending. Write a budget Creating a monthly budget plan can seem like a hassle at first, but it is the most effective tool to track your spending. […]

How Will Millennials Fund Retirement?

pension advice blackpool

National Insurance contributions do not pay for your state pension.  They are simply contributions to government coffers to be spent as the government sees fit.  Under current rules, those contributions do entitle you to a state pension (eventually).  Those rules can, however, be changed as can anything related to a state pension. Here we look […]

Making the Most of Your ISA Allowance

financial advice blackpool

The COVID19 pandemic has highlighted the importance of having both cash savings and insurance (for all the complaints about the latter).  At the same time, it’s still important to prepare for the future, especially your retirement.  Your ISA allowance could be used for both purposes, but that may not be a good idea.  Here’s what […]

Helping you to save

Mortgage Blackpool

Help to Save is a government savings account aimed at an estimated 3.5m people on low incomes. The scheme pays a bonus of 50p for every pound saved over four years, representing better value compared to the 1 – 2 per cent returns on savings bonds offered by high street banks. Eligible savers can open […]

Saving at all ages

The news is always full of stats about first-time buyers: in 2016 there were an estimated 335,750 first-time buyers – the highest figure since 359,900 in 2007 the average first-time deposit has more than doubled since 2007 to more than £32,000 • the average price of a first home broke through the £200,000 barrier for […]