There’s nothing quite like the end of the year for taking stock of your finances, and budgeting for the year ahead.
So to help us out, we asked some of our favourite finance and budgeting bloggers to tell us the best financial advice they’d had this year.
Cass from family blog Diary Of A Frugal Family told us: “This year I’ve found out that changing energy suppliers is so much easier than I thought it would be.
I’d been putting it off for ages because I thought it would involve lots of time and energy for not very much return but it took me a total of about 10 minutes and I saved enough each month for a treat takeaway. ;-)”
Nicola, who runs budgeting blog The Frugal Cottage, has this to say: “When you invest, you are always going to take a risk. However, if you’re in it for the long term, then ignore the ups and downs that happen daily and enjoy the ride.”
And Francesca From Pennies To Pounds told us she’d learned this year that: “You can only squeeze so much out of your budget – earning more money should be one of the key focuses when you are paying off debt or working towards a financial goal.” Continue reading
It used to be that the retirement dream was to leave the city and head for the seaside – if not the year-round sun of the south of Spain, then perhaps the clean air of the British coast.
But could it be that the emergence of the ‘Smarties’ – Senior Market Town Retirees – is set to change that?
These tend to be couples and singles aged 65-plus, who have chosen to move to green and pleasant market towns for their retirement . Places with a thriving community of all ages, small enough to have a ‘villagey’ feel but large enough to have all the regular amenities and social needs that they would be used to.
“Old age and retirement used to be a more homogenous group,” explained Richard Jenkings from Experian.
“In the past people would go on holiday to the seaside and then a lucky few would then retire to those same resorts. Today we still see this happening, but a rising trend is for better-off retirees to move not to the traditional sea-side resorts, but instead to pleasant, often historic, cathedral cities and quality market towns. Continue reading
This is the third of three blog posts Mrs Moneypenny (Channel 4′s Superscrimpers) is writing for us, all about making better financial decisions in 2015 – @mrsmoneypennyft
So, you’ve met someone special. They share your taste in music, love sci-fi films, and have a lopsided smile that you find incredibly cute. But how much do they earn? How much have they borrowed and how much have they saved? What is their attitude and approach to money?