Q It’s my 50th birthday soon and I’ve been working hard in various jobs for almost 35 years. I want to be in a position to retire by the time I’m 60. How can I make sure that can happen? A This answer is a long one. I’ll send you a list of the information
Q My partner and I saved diligently for a deposit so we could buy our first home. We have a respectable sum saved, but are getting confusing messages about whether now is a good time to buy. On one hand we hear the housing market is in crisis and we should buy when we can,
How To Be Prepared For A Financial Emergency And Unexpected Bills Q: How should I prepare for a financial emergency? A: If you don’t have enough savings to fall back on, you should take action now to protect yourself from an unexpected bill. A third of us are living on the financial edge, with no
Just contact us and we’ll gather the information required to see how much you can save. We’ll then find the best rates and value for money and send you a free no obligation report. Nobody wants to pay more for anything than they need to. Whether you are a first-time buyer are on a variable
Making the most of the tax relief available if self-Employed or PAYE If you are self-employed you must calculate your tax liability and make a payment by 31st October 2019 (12th November if registered with ROS) in respect of your: 1. Final Tax Assessment for 2018; 2. Preliminary Tax for 2019. The good news… You
Teaching your children about money will help them pick up good habits for the future. We have pulled together some helpful steps so you can show your children how to make smart money decisions:
Step 1- Keep it fun
A great way to help children get started is to have three jars with the following labels:
It’s time to talk about tax already I’m afraid. If you are self-employed you must calculate your tax liability and make a payment by 31st October 2016 (12th November if registered with ROS) in respect of your:
1. Final Tax Assessment for 2015; 2. Preliminary Tax for 2016.
The good news…
You can reduce your 2015 Final Tax liability and your 2016 Preliminary Tax liability by making contributions to a Personal Pension plan or to a PRSA plan by 31st October 2016 (or 14th November 2016 for ROS users) and electing to backdate the tax relief to 2015.
Example:
Things NOT to do!
Avoid these mistakes if you want to lead a richer life!
1) Spend now, pay later
Don’t throw your money away when you’re young, assuming you’ll be richer when you’re older. People in their 40s and 50s actually have the most financial problems. Enjoy your financial freedom when you’re young, but don’t squander it.
2) Fail to save
Too many people claim they can’t afford to save while blowing their cash on gadgets they don’t need, clothes they never wear and nights out they regret in the morning. Set up a regular savings plan by standing order or direct debit, so you don’t notice the money leave your account. Then have fun with what’s left.
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Figures show the Cost of Smoking Hits Hard on cost of Insurance Products but ex-smokers who have quit for over a year could be set to reap savings
While some people will already have broken their New Year’s resolutions, others will be celebrating the first anniversary of the success of their 2015 achievements. None more so than those who embarked on their journey to kick the smoking habit last January 2015. Protection experts at Royal London say that there may be hundreds if not thousands of ex-smokers who gave up the habit as part of a New Year resolution last year, and that these people may yet be able to reap further benefits on the back of their accomplishment.