Category Archives: Finances

A few small tweaks to your finances can bring great results. I cover how to maximise your limited money resource, to avoid overspending without useful extra benefits.

Big company suicide through cost cutting

There is a danger in trying to increase your profit through cost-cutting – you may find that you cut the very things that made you have a successful business. It’s something I’ve noticed with big businesses where their industries have new competitors, rather than focus on the quality and difference of their products – they instead just cut… Read More »

The problem with overdrafts

While formal overdraft agreements can usually be made on a rolling one year basis, there is a ‘feature’ that people can often miss – they are repayable on demand with one month’s notice. So, if you are using an overdraft regularly then you could find it removed in the future and only have one month to pay back… Read More »

Insuring yourself for medical issues

Many people forget to look at taking out insurance on themselves, instead assuming that they may be covered by state benefits. However, as I mentioned previously, an increasingly aged population mean that benefits are likely to reduce over time. Even at present levels, are the amounts paid and service levels sufficient for your needs? It is most likely… Read More »

Your passions and your profession

These can be interlinked, and you should indeed make sure that what you are spending most of your time doing is what you want to. However, you do need to be sensible and make good financial choices – perhaps coming to a solution that indulges your passion while also providing financial security and growth. Two of my passions… Read More »