Smarter Budgeting

Smarter budgeting Making rough mental calculations is not a smart way to manage your money.  It’s unlikely you will ever have money left over for savings and investing, which means you will have very little chance of increasing your wealth. Most people don’t manage...

Defending The Humble Insurance Policy

At this time of year we should be focusing on the positive, but spend time watching TV or reading news websites and you could easily start to become cynical about the value of insurance.   Stories about declined insurance claims, or in some cases choosing not to be...

Have you insured your largest asset?

  For those of us still in paid employment or are self-employed, our largest asset is often our future income. Our financial security, and that of our families, is dependent on one single factor, our income. Take that away and our ability to pay for all the...