Some end of tax year planning ideas – 5th April 2010

A number of ideas that may be of interest to you as we approach the end of another financial year on 5th April 2010. Pensions, ISA’s, CGT, income tax…….

Why a falling stock market isn’t always a bad thing!

Why a falling stock market is not always a bad thing! When markets are falling a shrewd investor uses this as an opportunity to expand their portfolio by buying cheaper assets. This can ultimately lead to considerably higher return in the future.

Merry Christmas!

Just a quick line to wish you all a Merry Christmas and a Prosperous 2010.

I am currently working on a “Best of 2010″ post – will get it posted before the end of the year!

Managing your Finances – a great article

If you read just one personal finance article this week then make it this one – Managing your Finances and Preparing for the Worse over at moneywell.co.uk.

7 Changes I’ve Made to Save the Planet and Me Some Money

At the start of 2009 I made a pact with myself that this year I would make as much effort as possible to change my lifestyle for the benefit of the environment as well as putting more money in my pocket.

Here’s what I have managed to do so far:-

19 Essential Money Tips for Students

Thousands of students will be leaving home and heading off to places new, far afield, in search of education and trying to avoid poverty. Here are 19 tips which helped me through Uni on a tight budget.

Buy a Financial Calculator

Anyone who is committed to increasing their personal wealth would be strongly recommended to buy a financial calculator.

I bought my first financial calculator when I was at University some 18 years ago, it was a Hewlett Packlard 10B Business Calculator, and I still use it today. The model has been updated now – Hewlett Packard 10BII – but the new model still offers the same great facilities I have come to know and love.

Are you £1 ahead or £1 behind?

I was reading an excellent post over at Seth Godin’s blog which got me thinking about budgeting, wealth and financial independence.

The article talks about how over 2 billion people on this planet live below the poverty line.

Small Increases in Income Make a Big Difference!

When considering income and expenditure, we need to calculate total expenditure, and then deduct this from income. This gives what I like to think of as “true disposable income”. Any small increase in income can therefore have a leveraged effect.

Retirement is an income, not an age

It occurred to me recently with all this talk about the need to raise retirement age in the Uk due to our ageing population, that many people have got it wrong.

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