Like most people I find balancing the household finances at the end of the month a struggle. With three children all under eight and me not in full time work we need to watch every penny and I have become adept at making the money last and would be described by the popular press as [...]
We all want to live in a house with as big a value attached to it as possible. Not only does this give us the chance to sell and move on in the future but it also gives us the peace of mind that an equity release loan could save our bacon one day if [...]
Often abbreviated as ‘AWD,’ the Agency Workers Directive was established to provide a semblance of equal rights to contract and temporary workers who are not employed in permanent positions by employers. As of October 2011, the UK instituted directives so that in some areas of employment, temps and contract workers would enjoy equal benefits if [...]
As early as spring and summer of 2011, the Telegraph reported that young Britons were avoiding insolvency through a number of interesting debt solutions. Not only were they cutting back on spending to avoid racking up higher amounts of debt but they were seeking alternative ways to circumvent being made bankrupt. These trends continued through [...]
To avoid your contract and working practices falling inside IR35 legislation, you will need to clearly show that the way you are working is that of a self employed contractor.Talking to a specialist accountant means they will be able to advise you on your current contracting situation and advise you on the best way to contract which will maximise your take home pay.
The world we live in, feedback and results are now expected right away. Once a decision or move has been made, we as a society expect to know the answer without delay. A lot of this is due to the Internet and technology age, where we are able to communicate instantly and get answers to [...]
I have used the same insurance broker ever since I had my first car and I needed to arrange cover. They always seemed to work very hard trying to get me the most competitive premiums and the process seemed to take an hour or so and I would always walk away with a hand written [...]
Having always been an advocate of the fixed rate mortgage since buying my first home some twenty two years ago, I have only recently reached the end of a five year fixed-rate mortgage which, in retrospect wasn’t the best deal I have ever signed up for. Although the interest rate was not stupidly expensive it [...]
Health cash plans are a fantastic idea, for safeguarding your future income, should you suffer a difficult time within your working lifetime due to stress, fatigue or other mental health problems. The issue is highlighted by recent news that Lloyds TSB chief executive Antonio Horta-Osorio has been forced to step down from his position through [...]
Working for a building society I had always had it drummed into me about mortgages and how important they were, how important it was to get the right interest rate and how you should fix your rate for two, three or five years. Understandably people thought of little else apart from the loan itself as [...]