January theme – your roadmap to freedom

‘Roadmap’ is the penultimate phase of our FUTURE programme for creating a life and financial plan to get you to where you want to be. In this phase you set down your plans on paper, adding detail, making calculations, devising strategies. Your roadmap will...

Saving

So how do you save, and how much should you save? To answer, you need to return to your income and expenditure statements. You need to make some decisions about both in order to get some clear water between your income and expenditure, the difference being money that...

Real life planning

We are planning our finances for the long term and we are establishing our short term security fund. During this process we must not loose sight of our life goals and objectives and how we are going to achieve them. It cannot be all about the planning and not about...

Managing time and money

Taking control of your time and money is the route to personal freedom and happiness. Managing your time and money is all about setting boundaries, which might well involve painful emotions, and when those boundaries are set you are free to do what you will within...

What is the best financial planning advice?

Make a life plan.  Your money and your life work together. Financial institutions have managed to divorce life from money over the years, concentrating on products rather than solutions, materialism rather than integrity, money as an end in itself rather than as a...