Human beings are hard-wired to focus on the here and now. We’re much more concerned about immediate threats than longer-term dangers such as failing to save enough money for retirement.
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For decades active managers have sold the idea that they can out-perform the market. That is what investors pay them to do. But how many are delivering value for money?
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Nobel laureate Daniel Kahneman described regret as probably the greatest enemy of good decision-making in personal finance. Exactly what role does it play, and what can we do about it?
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Trying to predict the future is never a good idea when it comes to financial decision-making. However, there are ways in which we can prepare to make clear financial decisions in the new year.
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Many of us are reluctant to change our banking providers. But, as you run the ruler over your personal finances, it's important to ask: has your bank earned your loyalty?
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In most relationships it tends to be the male partner who makes the financial decisions. Yet women are just as good at dealing with money than men, if not better. Why, then, do so many women shy away from finance and investing? And how can the balance be redressed? Psychologist Moira Somers sheds more light on the subject in this video.
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Never be deterred from taking a test your doctor advises is necessary. But if it’s just curiosity getting the better of you, make sure you’re fully informed about the potential financial impact of sending off for a DIY genetics kit.
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There’s an old adage that goes, “Watch the pennies and the pounds will take care of themselves.” But it’s actually quite misleading. To control our spending, it’s the biggest items we need to focus on.
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Business coach Nicola Wilkes came to us with several folders packed with paperwork and a shaky grasp of what was in them. Here we'll see what she gets back, discuss her next steps and make sure her financial paperwork stays minimal and manageable.
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Say goodbye to the unnecessary paperwork that’s been cluttering up your house and life. We’ve digitised the paperwork that can be kept as a soft copy and now it’s time to shred the superfluous.
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In Step 3 of our financial decluttering process, clients deliver their financial paper trail and then we work our magic to divide it into three types — things they need original copies of, things they can keep digitally and things they simply don’t need at all.
Read MoreScams are increasingly sophisticated in design and delivery. So in the spirit of an ounce of prevention being worth a pound of cure, here are eight types of scam to look out for.
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Step 2 of our financial decluttering process is the part where the client hands over everything they’ve got and we go away and make sense of it. It might be in folders, envelopes or a carrier bag. This is where clarity begins..
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For us, financial decluttering is an important part of giving our clients clarity. In this five-part series, we’re going to show you how we do it.
Read MorePicking up a new handset as part of a deal with a network provider may mean you avoid a big, one-off hit on your bank balance, but make sure you’re not paying too high a price for that convenience. Here are some other issues to consider when your phone contract is about to expire.
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Illness, transport strikes and even natural disasters are just some of the ways a holiday can be ruined. But the disruption can be far less expensive – and not nearly as stressful – if you take sufficient care when organising travel insurance.
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