…to maintain your ideal lifestyle through retirement. First, let’s introduce the PLSA – the Pension and Lifetime Savings Association, who actually try to forecast the answer to that question – just how much is enough? One of the UK’s major insurance companies (Scottish Widows) runs a annual National Retirement Forecast (NRF) survey designed to capture… Continue reading HOW MUCH IS ENOUGH ?
The government has deferred its decision on when to raise the State Pension Age (SPA) to 68. The important word here is – DEFERRED. It WILL increase to 68, we’re just not quite sure when yet. So, does your financial planning include the additional year at work, or does it bring in sustainable financial independence… Continue reading State Pension Age increase to 68 deferred.
Cash Planning What is the most important aspect of your personal financial planning: How much you EARN OR – How much you SPEND ? I always admired my Granny’s little collection of tea caddies that sat on the dresser in the dining room. Some round, square, hexagonal, triangular and all brightly coloured, all distinctive by… Continue reading Granny’s Little Tea Caddies
5 Steps to start your journey, to help you and your spouse / partner talk the ‘Money Talk’. Things to consider. Put ‘MONEY’ into some kind of context before you start the discussion. Talking money at home is so often a sore subject – if you feal this, don’t worry – you are not alone.… Continue reading Money Talk