Adjustments – Life

A Budget or Spending Plan should always make space for adjustments. Life happens and this needs to be accounted for. Depending on what stage of the financial lifecycle you are in, life can throw a spanner into the works at any time; an unexpected purchase – new electronic product because the old gave up ORContinue reading “Adjustments – Life”

Keeps – Savings

Let us talk about Savings and Investments; split into ‘savings for now’, rainy day funds and retirement. Savings = Keeping for Now and Later. Emergency Funds Retirement & Pensions Sinking Funds Home Maintenance Funds Children/Parent Assistance Fund The first thing to do is to decide your goals and life aims. Save for Emergencies & YourContinue reading “Keeps – Savings”

How I Invest in the Stock Market Series B – Dollar Cost Averaging

Dear Daughter, I recently received some questions on the term Dollar Cost Averaging (DCA) -what it really means & why DCA when investing. Taken the opportunity explaining this as much as I can in this post. I hope you find it useful. For the purposes of this post, please change the currency to your localContinue reading “How I Invest in the Stock Market Series B – Dollar Cost Averaging”

HTB ISA vs LISA

For anyone who is not aware the 2019/2020 Financial Year ends on Sunday, 05 April, 2020 at 11:59pm. The world is experiencing an epidemic at the moment and half of humans are under Lockdown; we are stuck at home. Here in the UK we are only allowed to go out for essential reasons only. WhilstContinue reading “HTB ISA vs LISA”