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One of my aims as a parent has always been to help the children to have a good financial education, to understand money and make wise choices with it as they get older. I’ve always felt that it’s never too early for children to be given or even earn pocket money, save and choose what to spend that money on. Learning about money is something that happens gradually over time as children grow.
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Important Information: The information in this article is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Please also be aware that the value of investments can go down as well as up, and you may get back less than you invest. Tax treatment depends on individual circumstances and all tax rules may change in the future.
Do you have a dream? When I was younger my dream was always to own my own home, have a family and go on holiday once a year. Now, I feel so lucky to be living that dream. But, we still have goals.
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Last month I wrote about how this year we were planning on having a year of less. A year spending less money, focusing less on material things and making more of the things we already have.
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I made a conscious decision a few weeks ago that this year would be the year I rein in spending and focus on saving. But, to explain why I’ve made that decision I need to go back a few years.
Anyone watching our lives on social media probably think we have no money worries, don’t have to budget and spend our whole time on press trips and having a big holiday every year. But, we are like every other family. We work hard to afford our lifestyle, plan as much as possible and find times like Christmas such a stretch like other families.
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Your credit score is an important three-digit number impacting your financial life. This is particularly true if you are looking to get a loan or apply for a credit card anytime soon. Lenders use your credit score to help them decide how likely you are to pay your credit card debt or loan on time. The higher your credit score, the more likely you are to qualify for a credit card or loan at a favorable interest rate.
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Investing in your child’s future doesn’t just mean putting away cash for them to enjoy and utilise when they turn 18, it also means teaching them good spending habits and the importance of saving not just for a rainy day, but for their futures and for their own children too!
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A Trust Deed is a legally binding voluntary agreement between you and your creditors (someone you owe money to), and is only available to Scottish residents. If you live in England, Wales or Northern Ireland, there is a similar arrangement called an IVA – however there are different fees, risks and benefits associated.
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Finding a working promo code can be a real headache. The key word in that sentence is “working.” There are dozens of discount websites on the Internet that seem to specialise in user frustration; just try to use one of their promo codes and see what happens. Usually, the shopper will fill up their online cart with goodies, search and snag a promo code, apply it, and have it fail. The failure could be related to an expiration date or some sort of fine print that disqualified the discount. It can be really exacerbating when the shopper is trying to complete a task and move on to the next one.
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Until a year ago I had always been in employed job roles with huge organisations. We had so many company benefits from great maternity packages and sick pay to preferential rates on financial services and pensions.