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 »

How to solve a recruitment ‘crisis’

Several industries appear to be reporting an alleged ‘crisis’ in recruiting people – for example transport, health or even baristas. However, an article on a pilot ‘shortage’ makes good points that are equally relevant to any profession: The job market It is rightfully called a market – supply and demand applies to workers and jobs. When there are… Read More »

Apprenticeship or university?

There are some sad statistics for graduates – perhaps up to 2/3 of them will never pay back their student loans. In the modern world, having a degree is no longer a guarantee of a high income. And particularly so if that degree is in a subject with less commercial demand from employers. While a degree in something… 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 »