If it doesn’t happen now, it never will…
Sometimes we put an irrational amount of pressure on ourselves to achieve our financial goals. When we aren’t feeling at our best, we beat ourselves up, especially when we unconsciously compare ourselves to our ‘age mates’ which at times can feel like they are winning this invisible race society has created. Make no mistake, I […]
London working, outside London Living: 5 Steps to making it outside London.
Today we are going to be discussing something that is very close to home for me – the big commute! It’s no secret that London is the place to be in order to receive a quality salary. This tends to be because salaries incorporate the extortionate costs of zone 1-3 travel and the general cost […]
Finance & Relationships
This is a very popular topic and one that comes with a lot of questions requiring clarity. Joint Accounts A couple with a Joint Bank account will both be responsible for the behaviour and management of that account. Because a joint account tends to play second fiddle to someones main sole account it is easy […]
The Clear Debt Quick Plan
Everyone is different and so is the size of debt. One thing we can all agree on, is that having debt, is not a nice feeling. Although we know it has to be cleared, at times we can’t think of anything we’d rather do less! Clearing debt for me use to feel like throwing money […]
A buyers Market, not a sellers…
It’s no secret that Covid-19 has had a devastating impact on the entire world. Millions have lost their jobs. Off of the back of this, many will have to take payment holidays on their mortgages, some may eventually fall behind on mortgage payments and some may even lose their homes due to repossession. What does […]
Financial Hack: Be aware of your Account balance at all times
When I was younger, something I’d avoid with all of my heart was checking my account balance. I’d spend and spend until the card didn’t work anymore. My card being declined was the indicator that I had no more money. It was that simple. This went on for about 9months to a year before I […]
Questions to ask when viewing a property
1. When was the last time the *electrics were checked? (Particularly important for Victorian/Edwardian houses, not so relevant for New Builds) Ultimately, the seller/agent has one goal, sell the property! Take what they say with a pinch of salt and do some research of your own. Ask friends that live in/know of the area. Get […]
How does Equity work?
The concept of equity is quite simple and in practice is a great way to see a return from an investment. Whether you are purchasing a family home or a buy to let property for rental purposes, the location and aesthetics of the property are crucial for its potential. E.g 2016Purchase Price £220,000 Mortgage Attained […]
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