Here is our usual monthly list of the top 10 read articles on shrewdcookie.com in September – there are some surprising entries!

1. Change in ISA allowances in Budget 2009

The changes announced in the Budget in respect of increases in the ISA allowances come into effect on 6th October for those over age 50 before the end of the current tax year – can invest up to £10,200 into a Stocks and Shares ISA. Woo hoo!!!

2. New Tax Year – New ISA Allowance

More detail on the changing ISA allowances.

3. Download a Free 2010 Yearplanner

I have put together a great little yearplanner for 2010 – it can be downloaded in A4 (landscape) or larger A3 (printed on 2 sheets of A4 for those without an A3 sized printer!). Feel free to send copies to friends, family and colleagues at work.

4. 19 Essential Money Tips for Students

With the start of the University/College/School term upon us here is a great article which might help a few students who are struggling through on their limited finances.

5.  Pay Yourself First

One of the first principles spoken of in the great book “The Richest Man in Babylon” is the need to pay yourself first – the principle here is to take a fixed percentage off your take-home pay and keep that money for yourself forever – then your lifestyle will change itself to allow you to live on the remainder. Get a copy of this book – a truly great read. It could be the most valuable £4.99 you ever invest!

6. Cashflow Forecasting – Planning Income and Expenditure

Here is a really helpful little spreadsheet which will allow you to plan your income and expenditure on a monthly basis – you will be able to see exactly where your money goes to each month – allowing you to make changes in your expenditure – a great tool for “what if” scenarios – what if I stopped eating out, what if I increased income by £200 per month etc.

7. Personal Pension Minimum retirement age increasing to 55 from 6th April 2010

Those people who will be over 50 before 5th April 2010 and were planning to retire in the next 5 years may have to take some urgent action between now and then – in the worst case scenario you may have to continue working for another 5 years!

8. Wear a uniform to work – here’s some free money!

If you have to wash your own work uniform you could be entitled to some money from the taxman – read the article for more information.

9. Get Money for your Old Mobile Phone

Did you know you can sell old mobile phones – I recently sold my old Sony Ericsson K800i and got £28 for it – worth checking out what yours might get you – see the article.

10. 10 Great Reasons for Writing a Will

Everyone needs and should have a Will – it saves so many problems in the event of your death – and let’s face it the only two certainties in life are death and taxes! Read the article now – you might be surprised.

And finally……

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The following is a list of the top 10 read articles in August.

1. Pay Yourself First – the first step in wealth creation

This article discusses the need to save from income before spending it! This is a form of deferred consumption and by saving first and then spending what is left you can build a solid foundation to your financial future.

Tip – aim to start saving 10% of net income each and every month – it won’t be easy at first but your budget and lifestyle will adapt over time.

2. Get Money for your Old Mobile Phone

Many of us have old mobile handsets lying around – did you know you can sell yours online – here is an article discussing this – I recently sold my old Sony Ericsson K800i and received £28.00.

3. New Tax New ISA Allowance – ISA 2009/2010

In just over a months time the ISA allowance for over 50’s increases to £10,200, with the allowance increasing for the remainder of the population on 6th April 2010.

4. Cashflow forecasting – income and expenditure spreadsheet

Our free income and expenditure spreadsheet remains as popular as ever and we are receiving some great feedback from people who are using it – thanks!

5. Investment Bonds – an introduction

An investment bond can be a shrewd financial planning tool as well as an investment vehicle.

6. It’s not how much you save but how long

This article discusses how, over time, money make money – with interest earned on a savings account itself earning interest. The longer you can save for the more money you will build up – start saving as young as possible.

7. Non-taxpayers – ensure you receive your bank and building society interest without tax deducted

Completing a simple form can ensure that non-taxpayers, both young and old don’t pay unnecessary income tax on the interest they receive on their savings accounts. With interest rates as low as they are at present every penny counts so ensure you’re registered to receive your interest gross if applicable.

8. Personal Finance Blogroll

A list of the other personal finance blogs I visit on a regular basis – makes for some interesting reading!

9. Retirement is an Income not an Age

Many have fallen into the trap that retirement occurs at a particular age. Unfortunately for most of the population this occurs simply because they haven’t secured sufficient income to retire earlier. By targeting a specific income and going for that it is possible to retire early. In a forthcoming article on “goal setting” we will discuss how this can be achieved.

10. Buy a Financial Calculator

If you’re serious about planning your own finances I strongly recommend buying a good financial calculator – ideal for calculating rates of return, how much to save on a regular basis to build a certain sized fund etc.

And finally……

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The following is a list of the top ten articles visited in July 2009: –

1. Pay Yourself First

This article stresses the importance of saving first from your income, and then living off the remainder, rather than the other way around. Those who save first and spend what is left invariably become richer than those who spend first and save what is left, if anything. A great lesson for us all!

2. Cashflow Forecasting – Planning Income and Expenditure

The basis of any budget is knowing what income you have coming into the household, compared to what is going out in the way of expenses – this extremely popular spreadsheet will help you with this vital task.

3. New Tax Year – New ISA Allowance – 2009/2010

The Chancellor increased the ISA allowance to £10,200 from 6th October 2009 for those over the age of 50, with the remainder of the population enjoying this allowance from 6th April 2010.

4. Investment Bonds – An Introduction

The investment bond has been a key financial planning tool for a number of years – this article discussed the benefits as well as some of the shortfalls of this often misunderstood investment vehicle.

5. Retirement is an Income, not an Age!

Many people think they have to work to a certain age – unfortunately for most people this is a reality as they never take control of their finances and make their money work for them. By setting an annual income goal, and by paying yourself first, it is possible to retire when you want and not when you have to.

6. Small Increases in Income Make a BIG Difference!

When we consider income and expenditure, most if not all people have fixed costs each month – rent, mortgage, food, insurance, car etc. This article discusses how small increases in income can have a big effect on your standard of living and quality of life.

7. Non-taxpayers – ensure you receive interest on your savings with no tax deducted

Many non-taxpayers are, unfortunately, paying tax on their bank and building society interest – they don’t have to! Completing a simple form provided by the taxman can put more money in your pocket.

8. Over 60? A great free book from the Government

This book contains lots of useful information – download it now for yourself or pass a copy to a relative.

9. State Pension – how much will you get?

Get a free state pension forecast – it’s worth planning ahead – especially if you’re not going to get the full State Pension – check to see what your position is now.

and finally…..

10. New Passport Fees – act quickly to save money

If you’re within 9 months of renewing your passport do it now – save having to pay the 7.64% increase in price coming in September – consider it another way – if you could find a savings account paying 7.64% net after tax would you put money in it!!!!!

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The following is a list of the top ten articles visited in June 2009.

1. Pay Yourself First – the first step in wealth creation

Those who save first then spend invariably end up better off than those who spend first and save what is left.

2. New Tax Year – New ISA Allowance

Increase in ISA allowance following the start of the new 2009/2010 tax year on 6th April 2009.

3. Changes in ISA Allowance – Budget 2009

How the ISA allowance will increase to £10,200 for those aged over 50 on 6th October 2009 and for the rest of the population on 6th April 2010.

4. Cashflow Forecasting – Planning Income and Expenditure

A budget and cashflow planning article with a useful Excel spreadsheet to download and share with friends and family.

5. Investment Bonds – An Introduction

The various ways in which this life assurance based investment vehicle can help with your financial planning.

6. Non-taxpayers – earn interest without income tax deducted

How completing a simple form can stop non-taxpayers paying unnecessary tax on their bank and building society interest to the taxman!

7. Critical illness cover v income protection

How these two different types of protection product can be used to compliment each other.

8. Will writing – an introduction

What is a will and why are they important?

9. 10 Great Reasons for Writing a Will

A must-read article for all those serious about financial planning and protecting their families and loved ones.

And, finally…………..

10. The Rule of 72 – The Time Value of Money

A great little rule for making quick calculations

The following is a list of the Top 10 articles visited in April 2009: –

1. New Tax Year – New ISA Allowance

The start of the new tax year on 6th April 2009 marked the opportunity for another tranche of money to be invested in a tax-efficient manner in an ISA.

2. Change in ISA Allowance – Budget 2009

In his recent Budget, the Chancellor of the Exchequer increased the ISA allowance to £10,200 per tax year – read the above article – the devil is in the detail!

3. Budget 2009 – Key Changes

A summary of the main changes and issues covered in Budget 2009 which may affect you and your wealth.

4. Tax Allowances and Rates – 2009

The start of the new tax year on 6th April heralded a number of changes in rates of taxation and allowances – read the article above to see just how much more money you will pay in tax this year.

5. It’s not how much you save, it’s how long

A great article introducing the time value of money as well as the principle of compoun growth and interest.

6. 10 Great Reasons to Write a Will

What I feel is one of the most powerful and beneficial articles of the last month – if you do nothing else this year, please read this article and make a Will.

7. An Introduction to Inheritance Tax

Inheritance Tax is a tax paid by those who distrust their children more than they distrust the Government. Plan early to avoid the simplest of taxes to avoid.

8. Cashflow Forecasting – plan your cashflow for the next 12 months

Short article on the principle of cashflows – how controlling your cash is an excellent habit to form – handy Excel cashflow spreadsheet available to download as well!

9. “Parking Cash” in an ISA

Great facility allowing you to place full amount into an ISA without the need to commit to investing the full amount from day one if you are concerned about stock markets and other asset classes falling further.

10. State Pension – how much will you get?

An introduction to the State pension with valuable information on changes in state pension age as well as how to obtain your own State pension forecast free of charge!

The above list details the Top 10 articles published on shrewdcookie.com in the last month based on visitor data.

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