Building good money habits is the first step to making your aspirations possible. Here’s some of the main things to consider when managing your personal finances.
Not all debt is bad for you. Whilst high-interest credit card debt is a drain on your income and should be limited, mortgage payments or investing in a business can be evidence that you are investing for future wealth.
When you’re deciding on how much to factor into your monthly budget, it helps to calculate your total income and balance this against your expenses. Having an estimate can help you keep an eye on spending and manage money more effectively.
How would you cope if you lost your main source of income? Keeping 3-6 months’ essential spending in an easy-access cash account can relieve the stress.
Whether you’d like to buy your first home or move somewhere new, there are several types of mortgages available. These mortgages will come with different costs and expectations, so planning out your future needs will come in handy before making the big decisions.
Reviewing your current insurance policies can give you peace of mind that money is one thing your family won’t have to worry about if you lose your job, become ill or die unexpectedly.
One-on-one financial advice or coaching from a professional can help get you on the right track to managing your money effectively; to provide you with the lifestyle you desire.
When you’re just starting your financial journey, it can be overwhelming. Getting financial advice or coaching can provide security so you know you’re doing the right thing.
Whether you have a specific question about your money or want ongoing support from a professional, we have a variety of options to help you manage money effectively.
A carefully designed financial plan can give you the freedom to do even more of the things you want to do and maybe even things you never thought possible.
Each of our Financial Plans provide guidance and streamlined advice around a commonly asked financial question for people with non-complex needs.
Gain clarity around your money situation with Financial Coaching. Speak to a real, qualified expert free of charge, who will help you take the next steps with confidence.
Gain a better understanding of your current situation and the options available to you. Get in touch today to arrange a free consultation with one of our Financial Professionals.
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Charles Stanley is not a tax adviser. Information contained within this page is based on our understanding of current HMRC legislation. Tax reliefs and allowances are those currently applying and the levels and bases of taxation can change. Tax treatment depends on the individual circumstances of each person or entity and may be subject to change in the future. If you are in any doubt, you should seek professional tax advice.