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Why an effective financial plan might involve spending more

Published: April 7, 2025 by Jennifer Armstrong

When people think about financial wellbeing, they often link it to frugality or building wealth. Yet, an effective financial plan isn’t always about that, sometimes, it might make sense to spend more. It can be difficult to get your head … Continue reading

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Could overpaying your mortgage save you thousands of pounds?

Published: March 4, 2025 by Jennifer Armstrong

At the start of February 2025, the Bank of England (BoE) cut the interest base rate. If you have a variable- or tracker-rate mortgage, it could mean your repayments will go down. While that’s likely to be welcome news, you … Continue reading

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Thinking about investing in crypto? You need to be aware of these signs of a scam

Published: by Jennifer Armstrong

As some cryptocurrencies have delivered large returns in the past, you may be more likely to overlook red flags when you’re assessing an investment opportunity. Yet falling victim to a scam could leave you out of pocket and affect your … Continue reading

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Is a lack of investing culture holding back the UK’s wealth potential?

Published: by Jennifer Armstrong

An interesting January 2025 report from Abrdn suggests culture could affect your financial decisions more than you think. Indeed, a lack of investing culture in the UK was linked to a relatively small portion of personal wealth being invested in … Continue reading

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How to reduce your Capital Gains Tax bill in 2025

Published: by Jennifer Armstrong

A combination of rising rates and panic ahead of the current government’s first Autumn Budget has led to HRMC collecting a record amount in Capital Gains Tax (CGT) towards the end of 2024. According to a report in the Telegraph, … Continue reading