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2018 Budget Highlights

Philip Hammond, UK Chancellor of the Exchequer, published the 2018 Budget to Parliament on 29th October. Many people are rightly asking, how will this budget affect me? On the higher level, the Budget spoke about the economy. Notably, the deficit has reduced from 9.9% in 2009/10 to 1.1% today, and 3m more people are in […]
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10 Quick, Useful Property Search Tips for First-Time Buyers

Getting onto the property ladder and purchasing a house is likely going to be one of the biggest buying decisions you’ll ever make.   You therefore need to be really sure that you’re avoiding the common errors committed by first-time buyers, which can end up becoming very costly.   In this guide, our financial advisers are going to share some […]
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Getting Married? 10 Tips To Keep Wedding Costs Down

We admit, it’s not the most romantic thing to think about. Yet with average wedding costs now standing at over £30,000 (a 12% rise on 2017) it’s worth considering whether there are ways to bring the wedding bill down without compromising the magic of the day.   As financial advisers, a large part of our […]
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6 Things You Must Know When Starting A Pension

If you are looking to be paid more, starting a pension can be a great way to do it. When you put money aside into a pension pot, the government effectively tops it up through tax relief.   In addition, if you are employed and put into a workplace pension, then your employer will contribute […]
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How to navigate Tax & NI when you are self-employed

When you are employed in the UK, most people do not need to worry about Income Tax and National Insurance too much. For self-employed people, however, things aren’t usually so simple.   For an employed person, assuming you are on the right tax code and have no work outside your employment, your employer should sort […]
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Buying Your First Home? Here’s A Simple Timeline Of What To Expect

It is often said that the three most stressful things a person can experience are divorce, changing jobs and moving house. The first two are beyond the scope of this article. As experienced mortgage and financial advisers, however, for those looking to buy a home – we can help.   One way to help alleviate […]
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5 Self-Defence Tips Against Financial Scams

There are very few worse experiences than the feeling which comes from being robbed. It leaves you feeling shaken, violated and insecure.   Online robbery – otherwise known as scamming – is prevalent these days, and some of the worst cases occur when it comes to theft in the realms of pensions, finances and personal […]
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A Quick, Simple Guide To Annuities

To understand “annuities”, you first need to know that broadly speaking, there are two types of workplace pension.   The first is a “defined benefit” (or “final salary”) pension, which gives you an annual income from your employer once you retire.   The amount you get is usually based on factors such as how long […]
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How To Sort Your Finances After A Divorce: 8 Tips

Divorce is almost never pleasant. People often feel that there’s enough emotional upheaval going on, without bringing money and finances into the picture. Yet bring them in, you must.   Your financial position following a divorce is hugely important, as it will affect your lifestyle, income and expenditure for years to come. If you have […]
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Should You Pay Off Your Student Loan Early?

  Higher education fees and student debt have both risen in the UK. Since most of us are taught that debt in general is bad, shouldn’t you pass off student debts early if you can?   In this article, we’re going to look carefully at that question, and suggest you should not.   This is […]
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