Back by popular demand is the 2011 A4 Year Planner.

The 2010 version proved exceptionally popular and I have received many email asking for a new one for 2011.

Download now!

It pays to plan ahead – holidays, work, school holidays, birthdays etc.

To use simply print off as many copies as you like – the 2011 year planner fits nicely on a piece of A4 paper in landscape view.

Please feel free to pass this yearplanner on to friends and family – I am sure they will find it most useful!

p.s. please note that the “thick” lines which appear between the days of the month do not show up when the yearplanner is printed!

Click here to download 2011 Year Planner

Be sure to grab my RSS feed and newsletter to be kept up to date with all new blog posts.

We have been suprised and delighted with the success and positive feedback we have received so far for our 2010 year planner. Yet a large number of visitors have asked whether we plan to make an academic year planner for 2009/2010.

So, here is it is – our academic year planner for 2009/2010 – ideal for students at school, college or university as well as for parents who wish to plan ahead in terms of school holidays etc.

Download Academic Year Planner 2009/2010

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Download Free Yearplanner for 2010

It pays to plan ahead – holidays, work, kids off school, bills(!).

Click here for new 2011 Year Planner!

I have made the following year planner for 2010 – it’s saved in PDF format and will download really quickly as it is only a small file. It’s a handy A4 2010 calendar – printed landscape for optimum clarity.

Free year planner for 2010 - A4 size

Free year planner for 2010 - A4 size

It’s really simple to use – just print off as many copies as you need – it fits snuggly on an A4 sheet of paper.

Feel free to share the year planner with your friends, family and colleagues.

Download your free 2010 yearplanner now.

Download free year planner 2010

Update – A3 version released

I have now developed an A3 (double the size of A4) version which is more appropriate for displaying on a wall – don’t worry about having an A3 printer – this version prints out on 2 A4 sheets and you can simply glue or sellotape the two sheets together.

Click here to Download 2010 Year Planner – A3 version

Register for Updates

Please ensure you register for updates to this yearplanner as well as to be told when new planners and other downloads which may be of interest become available:

Related Articles:

Free Academic Yearplanner 2009/2010

This post is inspired by Rob over at who has published his personal finance blogroll – a list of hte personal finance sites he reads on a regular basis and I am proud to see that is one of them!

This is a list of the sites I read on a regular basis through their RSS feeds – any time their sites are updated I can read the new posts they have written through a feed-reader. I use the one which comes installed with Internet Explorer 7. Up on the toolbar you will see a little symbol which looks like this: – - personal finance RSS feed

This is the RSS reader – it simply shows the text version of latest posts published on a blog – when the symbol is greyed out there is no RSS feed – when it is coloured orange then there is an RSS feed present.

Click on the above symbol to see my RSS feed. If you then click on “subscribe to this feed” you will then be able to view all new posts I publish under the “Favourites” button on your menu bar by choosing the “Feeds” tab.

Anyway, here is a list of the personal finance sites/RSS feeds I read on a regular basis: –

RSS FeedGet Rich Slowly

RSS FeedMoney Dashboard

RSS FeedMoney Watch (highly recommended)

RSS FeedMoney High Street

RSS FeedMoney Magpie

RSS FeedPlonkee

RSS FeedSeth Godin (marketing not money related but a fantastic read)

RSS FeedThe Money Well

RSS FeedUK Money Pot

RSS FeedWise Bread

RSS FeedMoney Hospital

There are many more which will be published in a future article.

If there is a website which I have missed from this list which you feel I should read on a regular basis (!) please add a comment with a link below.

If like me you tend to change your mobile phone every few years chances are that you have an old mobile lying in a drawer gathering dust!

Did you know that you can sell your old mobile phone to realise some cash for your old phone?

For instance, I am just in the process of upgrading from my old Sony Ericsson K800i which is now 3 years old and started to look tired. A colleague of mine in the office said “why don’t you sell it? You could get a good price for what effectively is a phone you no longer need.”

Having searched the internet I was amazed to find that there are a number of sites which buy old mobile phones. Having looked at several I was happy to see that I could indeed sell my K800i, which is now nearly 3 years old, for £28.00!

I have mentioned this to a number of friends and relatives and many have said they were surprised about the amount of cash being offered for my old phone and that they also have old phones which they are now going to sell!

Here are links to some of the sites which buy old mobile phones (click the logo to visit site for a quote for your phone):-

The Government has issued a great book for anyone over the age of 60 in the United Kingdom – it is full of helpful information on where to find help and benefits in the UK when you need them.

The book is 37 pages long and can be downloaded as a PDF by clicking here.

This is a PDF document – most modern computers can open this type of document – if not download the software here – it is safe and won’t harm your computer.

The booklet is easy to read and understand and contains information and sections on the following topics –

  • pensions and benefits
  • fuel bills
  • savings and investments
  • help for people on low incomes
  • money problems
  • keeping your home
  • skills and learning
  • jobs

To download this useful book click here.

To receive updates and breaking news please join our mailing list – you can unsubscribe at any time and we won’t send you junk emails!

To download this Article as a PDF, right-click on the symbol below and “Save Target As…” 

Fund Performance - Online Resources(321kb)

The importance of reviewing investment funds

Many people invest in pensions, ISA’s, investment bonds, endowments etc. without actually giving much thought to the funds in which they are investing.

Invariably we find that the money has simply been invested in a “managed” fund and little thought has been given historically to investing in a decent fund or portfolio of funds in line with the investor’s attitude to investment risk at the time the investment was taken out.

Over time, people’s attitudes to investment risk do change and it is vitally important that you regularly review what is happening with the funds in which you are invested.

Not Matching Attitude to Investment Risk

Many portfolio’s and funds are out of keeping with the spread/diversification of portfolio into which many people should be investing. For example, we tend to find that many “managed” funds are nothing more than equity funds – not necessarily investing 100% in stocks and shares, but certainly in a proportion which far outweighs what that person ideally should be invested in given their attitude to investment risk.

Poor Performance

Many funds are lacklustre – they have historically performed in a mediocre, if not, terrible fashion. Although many might argue that past performance is not a guide to the future we tend to believe that there may be a correlation between performance and such factors as fund manager, investment style, research methodology, liquidity of the fund etc.

This leads nicely into diversification…..

Funds not Diversified in line with Attitude to Investment Risk

Many people are unaware that under many pension and investment contracts you are not limited to investing in just one fund. Most modern plans will allow you to invest in up to 10 or more funds and a choice of both internal and external funds may be available. We strongly suggest that you contact your pension/investment provider to find out what fund(s) you are currently invested in as well as to obtain a list of the funds into which you can switch.

Also enquire as to whether there are any switching costs involved – most policies will allow some or all fund switches free of charge.

Reviewing Funds – Performance, Construction etc

In terms of reviewing your existing and potential investment funds there are several sites which you should consider taking a look at. The good thing is that the information they provide is free of charge!


Trustnet offers information on a very wide range of funds in terms of performance etc. The first tab on the site shows “Investments”. if you hover your mouse over the various sections – “Unit Trusts and OEIC’s”, “Investment Trusts”, “Pension Funds” etc – you will see a dropdown menu. We suggest initially that you click on “A-Z Group Factsheets” – this will show a list of pension/life companies for whom they hold fund information.

The information is updated on a regular basis is comprehensive in terms of what information is provider – such as performance, what is invested in the portfolio, charges, information on the manager, graphs showing performance against the sector average etc.

When you have found the fund in which you are invested you may be able to access the providers own fund factsheet by looking down the right-hand side of the screen.


Similar in make up to Trustnet – it really comes down to personal choice with regard to which site you prefer.


It is important that you review the funds in which you are invested on a regular basis and the above two sites will provide valuable, independent information in respect of your existing funds, as well as information on funds into which you may decide to switch within the universe of funds provided by your pension/life company.

Important: Before making any decision to switch we suggest that you consult an Independent Financial Adviser as to whether any choice of investment fund into which you may switch is suitable for you.

We would love to know what other online resources you use – please leave a comment below.