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”

Clue On – Income

This will cover all your income, earnings, rebates i.e. incoming money. Things to consider include: All Earnings Frequency of Payments Expected AND confirmed rebates etc The first part of a Spending Plan is to calculate how much money you have coming in each month or 4-week period. It is much easier for those on fixedContinue reading “Clue On – Income”

Spending Plans

Some call it Budgets and others call it Spending Plans. I prefer to call these Spending Plans. Have a clue what is coming in, plan for what will go out, know what needs keeping and make room for life. – Praus Life Finance A Spending Plan (or Budget as some call it) is key toContinue reading “Spending Plans”

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”