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How to take a “holiday” in your own home

After a difficult year, many people have been looking forward to getting away somewhere new to relax. But with holiday destinations facing Covid-19 challenges and new restrictions, summer holidays could be at risk again. Despite the vaccination programme rolling out...

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Is a 4-day working week around the corner?

The last year has seen huge changes to the way we work, with remote working on the rise. Could the next change be a four-day working week? A four-day working week is something a handful of companies have been offering employees in recent years, providing workers with...

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7 things to consider when choosing your mortgage

Whether you’re a first-time buyer or already a homeowner, choosing the right mortgage product for you is important. It could save you money as well as ensuring your mortgage fits your life plans. However, with hundreds of mortgage products to choose from and an array...

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Why you should overpay your mortgage with pandemic savings

The pandemic has meant some families have been able to save more. Those that have continued to work during the last year are often finding their outgoings have been lower and they now have more cash put to one side. If you still have a mortgage, overpaying is one...

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8 pension mistakes that could affect your retirement

Saving for retirement should be part of your financial plan and can help you secure the lifestyle you’re looking forward to. But watch out for these eight pension mistakes, which could ruin your plans. 1. Putting off paying into a pension The sooner you start paying...

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Why planning for the 2021/22 tax year now is a fantastic idea

The 2020/21 tax year hasn’t even finished yet, but it’s the perfect time to start thinking about the next 12 months. While this time of the year is often associated with using up allowances before the deadline, getting a head start on 2021/22 can be just as...

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6 fun things to do with your family this Easter

The Easter holidays are almost here and it’s the perfect time to plan fun activities with children. Covid-19 restrictions are easing but there are still measures in place. However, this doesn’t need to ruin your long weekend – with a bit of planning, there are still...

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5 excellent hobbies that could help you overcome lockdown stress

It’s been a year since lockdown was first announced in the UK in order to slow the spread of Covid-19. While restrictions have varied over the last 12 months, they have significantly affected daily life. If you’ve been feeling stressed or anxious recently, you’re not...

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Everything you need to know about switching mortgages

Taking out a mortgage is often associated with first-time buyers. But it’s something all homeowners should do when their current mortgage deal comes to an end. It can help ensure your mortgage continues to suit your plans, and it could even save you thousands of...

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What would an alternative to Stamp Duty look like?

Should the Stamp Duty holiday be extended? Or should the tax be scrapped altogether? Chancellor Rishi Sunak is facing calls from campaigners but it’s unlikely the Stamp Duty would be scrapped without an alternative. Stamp Duty is a tax you may have to pay when...

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43% of savers and investors don’t know where to find advice

We know that financial advice can change lives and help people achieve their goals. Yet, research from network Openwork found that more than two in five people don’t know how to access advice. It could mean they’re missing out on opportunities, taking too much risk,...

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Protecting your business: Why business wills are important

We all know how important it is to have a will in place to ensure assets are passed on to loved ones in a way that aligns with your wishes. But, if you’re a business owner, have you included your business? When writing a will, there’s often a focus on your personal...

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How the Financial Services Compensation Scheme protects you

Following a year of uncertainty, you may be worried about your finances. Covid-19 has had an impact in many ways, from reducing income to affecting investments. Some financial firms have also been affected and this may mean you’re concerned about how secure your...

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Thousands will run out of money in retirement, will you?

Saving into a pension and accessing it comes with a lot of challenges as you need to think about how much income you need throughout retirement. Research from the People’s Pension suggests that looking at the bigger picture is something many people are putting off,...

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International Day of Happiness: 5 reasons to be optimistic

Saturday 20 March is the International Day of Happiness. After the challenges of 2020, we could all use something to make us feel a little more cheerful. Yet, despite doom and gloom dominating the headlines, there are reasons to be optimistic about this year and the...

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The 2021 health trends you should try

Are you looking to improve your health in 2021? After a year where health was one of the most talked-about topics due to the pandemic, it’s set to be a movement this year. While you might have a set routine, mixing it up with some of the new trends emerging can help...

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Is the work-from-home revolution a good thing?

When the pandemic struck last year, thousands of workers began working from home for the first time. It’s changed the world of work and this situation could be here to stay. According to data from the Office for National Statistics, around a quarter of workers are...

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Top tips for getting your home ready to go on the market

Current conditions mean the property market remains uncertain. While some experts predict a small rise in the coming year, others believe prices will start to fall. If you’re hoping to put your home on the market in 2021, taking the time to prepare could make all the...

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5 things to do if you’re self-employed and need a mortgage

There are plenty of benefits to being self-employed, but it can come with financial challenges too. One of these challenges is when you’re trying to secure a mortgage. Mortgage providers often want to see a reliable income stream, proving you’ll be able to keep up...

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What support is there for struggling business owners?

With a third lockdown and reports that social distancing restrictions could last for many more months, many business owners will be worried about the impact on their operations. Covid-19 has affected lives for longer than expected when the pandemic first became widely...

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7 ways you can encourage children to develop STEM skills

When children are still in primary school it can seem a little too early to be thinking about their careers. But the skills, passions, and knowledge they pick up in their early years can be incredibly important. As the workplace changes, STEM (science, technology,...

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7 reasons to visit the UK’s National Parks this winter

Every year, an estimated 110 million people head to national parks across the UK. With social distancing restrictions likely to remain in place in the coming weeks, they could be the perfect place to explore and get outdoors. Planning a trip to the great outdoors may...

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The 2021 guide for first-time buyers

Are you hoping to buy your first home in 2021? Buying a property is an exciting milestone, but it’s one that can be stressful too. So, here’s our guide for first-time buyers. Rising house prices have meant it’s more challenging than ever for first-time buyers to step...

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What are your options with an interest-only mortgage?

While interest-only mortgages have become less popular, millions of people have one and need a repayment strategy in place. If you do have an interest-only mortgage it’s important to review your plans as figures suggest almost half of borrowers will experience a...

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10 motivational books to help you get the most out of 2021

What are your plans for 2021? Staying motivated when you’re working towards a goal can be challenging for everyone, but these ten books can provide a boost when you need it most. 1. Steve Jobs by Walter Isaacson You can learn a lot by delving into the history and...

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7 mortgage tips that could save you money in 2021

As a new year starts, it’s a great time to review your mortgage. It’s a step that could save you money now and over the full term of your mortgage. Even a relatively small saving each month can add up over the years you’ll be paying a mortgage. Here are seven tips...

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Is health insurance something you should consider?

As the NHS continues to battle the challenges of Covid-19, you may be considering taking out health insurance. The pandemic means many people are facing delays and unable to book appointments when they want to speak to a health professional due to backlogs and...

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£1.9 billion gifted to younger generations during the pandemic

The pandemic and restrictions have meant many families are struggling financially or feel insecure. Research suggests that younger generations have been turning to parents and grandparents for a helping hand. However, some older family members haven’t fully considered...

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Financial health check: How do you score?

How do you rate your financial security? When you think about your financial situation, what defines it as ‘healthy’? For 77% of Brits, financial success is having the financial freedom to do what they want without worrying, according to research from Schroders...

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Are Premium Bonds a good place for your savings?

With interest rates low and investment markets experiencing volatility throughout 2020, you may be looking for an alternative place to put your money. Premium Bonds are an option you may be considering, but you could end up missing out on returns. What are Premium...

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Have you prepared emotionally for retirement?

Have you started preparing for retirement yet? If you’re nearing this milestone you may have contemplated whether your pension will be enough and how you’ll create an income. It’s often the financial side of retirement that people focus on. It’s understandable why....

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Lasting Power of Attorney: Why is it something we put off?

Naming a Lasting Power of Attorney is something that we should all do. It’s something that can provide us with security if we’re unable to make decisions. While it’s often something that’s associated with being elderly, it’s just as important for younger generations...

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Your complete guide to mortgages

At some point in our lives, most of us will need to take out a mortgage if we aspire to own a home. Yet, mortgages and the process of securing one can still be filled with jargon and other complexities. Our guide aims to provide you with all the information you need...

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7 tips for sticking to your new year’s resolution

‘New year, new me,’ goes the common saying. The start of a new year is often seen as a time to reinvent yourself and make plans towards goals. With 2020 causing so many setbacks and challenges, you may be thinking about setting a new year’s resolution to start 2021 on...

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Travel trends for 2021

This year has meant cancellations and a need to rearrange travel plans thanks to Covid-19. Now, as vaccines have been unveiled, you may be thinking about where you can visit in 2021. Whether you hope to visit a destination you’ve visited before or somewhere new, the...

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What are homebuyers looking for in 2021?

Are you planning to sell your home in the new year? Understanding what potential buyers are looking for can help you position your home to gain more attention and hopefully increase the price you receive for it. House prices predicted to fall 14% During the first...

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How to beat the Stamp Duty holiday deadline

Since its introduction in July 2020, the Stamp Duty holiday has helped homebuyers save thousands of pounds on property purchases. If you complete a purchase on your main home during the Stamp Duty holiday, you don’t have to pay tax on property values up to £500,000....

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What has 2020 taught us about investing?

2020 has been an eventful year for investment markets. Impacted by the Covid-19 pandemic and government responses to this, there have been many valuable investment lessons that will apply in 2021 and beyond. As the extent of the pandemic became known in March, stock...

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Balancing debt: What should you pay off first?

Social distancing restrictions means UK households are saving more. But with interest rates low, they’re getting little in return for saving. If you have debts, using some of the money to pay these off quicker could make more sense. According to Moneyfacts, the UK...

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The pension basics everyone needs to know

Most workers are now paying into a pension. But research shows that there is a worrying lack of understanding about how pensions work and why they’re a good option for saving for retirement. According to Royal London, seven in ten people admit they have little or no...

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10 steps to take if you’re retiring in 2021

The way people see retirement has changed over the years. It’s no longer the stereotypical comfortable slippers and a relaxed lifestyle. Indeed, for many, it’s very much a second life – the time to enjoy doing things they couldn’t because they were too busy working...

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New year’s resolutions to improve your finances

The start of a new year is the perfect time to get your finances in order. A few simple changes could improve your finances in 2021 and beyond, setting you up for a healthier financial future. So, whether your finances are in a muddle or you just want to ‘do better’,...

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How to boost your mood as the nights draw in

The nights are drawing in and it can affect our mood. If you’re suffering from the winter blues, there are some things you can do to improve your outlook. Seasonal Affective Disorder (SAD), sometimes known as winter depression, is a type of depression that comes and...

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The best National Trust gardens for a winter walk

The days are getting darker and chillier and you may have plans to stay inside where it’s cosy. But getting out and about can boost your mood, plus frost and beautiful winter-flowering plants mean a walk can be magical this time of year. The National Trust boasts some...

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The tech that could transform your home this decade

When you think of your childhood home, what technology did it boast? While we don’t think too much about how homes change from year to year, tech and gadgets do influence our personal spaces and how we use them. It wasn’t too long ago that it was unheard of to have a...

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Will house prices fall in 2021?

House prices have been climbing in recent weeks as pent up demand means there’s more competition for each property. Yet, forecasts suggest that property prices could fall in the New Year. The impact of Coivd-19 on the property market The property market temporarily...

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6 reasons to use a mortgage broker

When you’re moving home, it comes with a lot of expenses and you may be looking for ways to reduce costs. However, paying a mortgage broker to work on your behalf can add value and mean you save money over the term of your mortgage. The mortgage market can seem...

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Why financial lessons are important for children and teens

Financial education in childhood is crucial. Attitudes and habits formed in our tentative years can have an impact in adulthood. Passing on your financial knowledge and the lessons you’ve learnt to children and grandchildren can lead to them being more financially...

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Talk Money Week: The benefit of family financial planning

Each November, Talk Money Week takes place. It aims to get the nation talking about managing money, from discussing pocket money with children to chatting about pensions. Money can be a taboo subject, even among families. But talking openly about money, financial...

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5 apps that can help you learn something new every day

Want to learn something new but can’t seem to find the time to dedicate to it? Using an app on your phone is the perfect way to pick up small chunks of knowledge when it suits you. From listening during a commute to watching a quick video during lunch, it’s an...

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How to create a CV that will stand out

The current job market is extremely competitive. The impact of Covid-19 has meant some businesses have been forced to make cuts or suspend hiring plans. Whether you’re looking to progress in your career or are searching for a job after being made redundant, it’s...

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Classic films to enjoy this autumn

The nights are drawing in and ongoing Covid-19 restrictions mean we’re going to be spending more time indoors than usual this autumn and winter. It’s the perfect excuse to grab a bowl of popcorn and put on a classic film. There might be plenty of action-packed films...

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Good Money Week: ESG and investment sustainability

Do you consider sustainability when making financial decisions? It’s a consideration that’s becoming more popular for a variety of reasons. While sustainability in finance is often associated with incorporating ethics and values, it can help improve your long-term...

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7 scary pension mistakes to avoid this Halloween

The nights are drawing in and Halloween is around the corner. But while you might get spooked watching a horror film this season, pension mistakes can be just as scary (and cost you far more). With that in mind, here are seven pension mistakes to avoid to keep your...

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5 steps the self-employed should take to prepare for retirement

More people are becoming self-employed and it’s a step that’s been linked to improved wellbeing. But it can mean your financial security falls, particularly when looking ahead to retirement. For self-employed workers, it’s important to take steps that can ensure your...

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Pension age rises to 57: What does it mean?

From 2028, you won’t be able to access your Personal Pension until the age of 57. The government’s decision could affect your retirement plans and it’s important to review what it means for your future. The government previously stated it intended to increase the age...

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7 European destinations to plan a trip to in 2021

The traditional summer holiday may have been cancelled for millions this year due to Covid-19 travel restrictions. If your plans have been put on hold, now could be the perfect time to research some new European destinations for 2021. With social distancing measures...

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Top 7 retirement hotspots to consider

Are you thinking about relocating in retirement? Every year, thousands of over-65s decide to move to a new location to enjoy their retirement. Data from the Office for National Statistics found that leaving urban areas in favour of rural locations, the coast and areas...

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7 things you can do to boost productivity

At times, we’re all guilty of being unproductive. Whether it’s because you’re struggling to focus on a task at hand or you have multiple deadlines competing for attention, it can be a challenge to get back in the right frame of mind. But there are small steps you can...

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5 things to expect when you return to work in the office

As lockdown eases and employers carry out Covid-19 risk assessments, you may soon be able to return to the office. After months of working remotely, there may be things you are looking forward to – and some aspects of remote working that you may miss. As life slowly...

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7 tips if you want to invest in Buy to Let property

While property prices may have stalled during the lockdown, early signs point to a recovery now restrictions have been lifted. If you’re looking for assets to invest in, a Buy to Let property can be attractive. Rental yields have climbed significantly in recent years,...

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Older borrowers facing challenges securing mortgages

If you’re in retirement and have mortgage debt, research indicates it can be far more challenging to secure a mortgage. You may be forced to pay higher interest rates without a new deal, placing further pressure on your finances. It’s not uncommon to still be paying...

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Giving to charity: How it can be tax-efficient too

Supporting worthy causes is often something people want to include in their financial plan, whether through regular donations or a charitable legacy in their will. The good news is that to encourage charitable giving, there are tax breaks you can benefit from too. If...

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Should you choose cash or stocks during Covid-19 volatility?

With the stock market experiencing volatility due to Covid-19 earlier this year and further uncertainty about the state of the economy, you may be wondering how to make the most of your savings. Should you save in a cash account or invest? Research from Aegon found...

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4 financial steps to take if you’re facing redundancy

As Covid-19 lockdown restrictions ease, there are still concerns about what it means for the economy. As the furlough scheme ends, you may be worried about what it means for your job role or you may have already been made redundant. While it’s the short-term...

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Is your business protected with a Lasting Power of Attorney?

When we discuss financial planning, ensuring long-term security for you and loved ones is often a priority. But for business owners, they also need to ensure they protect their firm in the event of something happening to them. If you haven’t already taken steps to...

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5 things to consider when you come into unexpected money

Everyone has at some point daydreamed about what they’d do if they suddenly came into a large amount of money. But what would you do if it really happened? Whether it’s enough money to buy a new car or a gold-plated yacht, if you receive an unexpected windfall you...

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What to do if you have multiple small pension pots

Throughout your career, you’ve probably contributed to a few pensions. It can be easy to lose track of them, so you may have considered consolidating them into one larger pension instead. Indeed, research from the Pension Policy Institute shows that there are eight...

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