Education Hub

Welcome to our Education Hub!

In here you will find useful guides and insights from a career spanning 25 years. We hope you find this content useful and if there is anything specific you would like to know, please do reach out via the contact form. 

Budgeting

Setting up Direct Debits

Direct Debit is the easiest way to pay your bills, because once they are set up the process is automated. That said, there are scenarios where it can give you a shock to your budget:

Setting a Budget

Budgeting is necessary for every adult in the UK, in some form. Like cleaning your teeth or doing the hoovering, it might be something you don’t want to do, but if you neglect it there is only one outcome and that is financial difficulty.

Saving for Annual Costs & Emergencies

Saving can sometimes feel like a futile exercise, particularly if you are a low earner or circumstances make it very difficult. 

Credit

Debt Solutions

If you are in a situation where your debt is only increasing and budgeting and/or re-structuring does not do enough to make your monthly expenditure affordable

Getting Debt Under Control

If you have reached the stage that your debts are getting bigger despite you paying as much as you possibly can towards paying them off every month

Know Your Credit Report

One element of our financial lives which is a little mysterious is our credit report.

Know Your Credit Report

One element of our financial lives which is a little mysterious is our credit report.

Pensions

Why Save Into a Pension

There is lots of talk in the press about pensions, good and bad, but what are the simple reasons for using one? Why is it a good idea?

Flexi-Access Drawdown – what’s that about then?

Income drawdown is the pension product that can pay you an income, but still give an investment return on your capital.

Consolidation

One of the most common pieces of work that advisers are paid to complete is the consolidation 

Taxation

Understand your Payslip (In England)

For most people the first time they encounter the world of tax and pensions is via their payslip.