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They are very detailed and keeps an eye out for my portfolio. He has annual meeting with me, and keeps me abreast of the market tribulations and does educational seminars. He is approachable whenever one needs to speak with him, and his assistant also is perfect! They treat me with a lot of respect even though my portfolio is very miniscule.
They are responsive, professional and courteous. We are kept informed in good times and in bad. I feel confident that he always has our best interests at heart. He is an experienced expert and a kind and caring individual. All questions are answered completely regardless of how inconsequential they may be. I would recommend him highly to anyone looking for professional financial advice.
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5 Tips To Save Money
How we're spending our money has changed so much over the past 12 months. Whether you have saved more or exhausted your funds, we all need a little financial inspiration to help us save where we can. So, check out our twenty-three of tried and tested money-saving tactics. You'll be amazed at just how much you can save without even trying.
1) Save first, spend later
Pay yourself first. If you do this it’s a sure way towards financial freedom. Use the 50/30/20 flexible approach to budgeting. This means 50% of your take home pay goes on your needs (bills, food, minimum debt payments), 30% goes towards fun (eating out etc) and 20% goes to future you (debt payments above the minimum, saving for emergencies and investing). If this split doesn’t work for you when money is tight, you can adjust the ratios as you go.
2) Don't pay interest on your credit card debt
If you've got card debt, put a strategy in place for getting rid of it. Don't panic if you haven't got a handy lump sum to magic away the full amount, you can achieve the same end result by transferring the debt to a 0% balance credit card to avoid paying interest for a fixed time (up to 30 months) and paying off a set amount every month.
Some cards come with a small balance transfer fees, so make sure you do the maths. Do set up a direct debit to avoid missing minimum payments and being stung with high charges. If you still have debt after the 0% period ends, move to another deal. Do not use this card for purchases. Find the best 0% balance transfer card using comparison site such as Moneyfacts and MoneySuperMarket.
3) Stay on track
Don’t let cash slip through your fingers. With digital bank Monzo you can transfer a set amount of spending money to your card while prepaid cards – like Monese and Transferwise – only let you spend what you load.
Too high tech? Set up a day to day spending account with its own card, and transfer your weekly disposable income on to it.
4) Use an incognito browser
Going incognito when you shop online can help you save money by automatically deleting your browser history when you close a tab. This means companies can’t track what you’re looking at and put prices up (yes, it happens!), so it will be especially useful for planning your next holiday.
5) Don't splurge on payday
Nationwide’s Payday Saveday survey revealed 1 in 5 people spend over half their spare monthly wages within 48 hours of getting paid! Don't let your disposable income burn a hole in your wallet, always ask yourself if you really need it.
Prioritise your most important outgoings, plus something for the savings pot, before you start spending. That way, you’ll know how much disposable income you really have to last the rest of the month.