So are trusts just for rich kids? In short no! Trusts are just a way for you to give something to someone without giving them complete control over it. In my day job as a Financial Advisor the most common way that I use trusts is when I set up a life assurance policy. I am always surprised by how many polices are not written into trust – it is rumoured that less than 20% of policies in the UK are! All it is, is an extra form to fill out when you set up your life policy and most importantly, often you can get templates from the provider meaning that it is free to do too. There are all sorts of ..read more

by Laura Dempster, founder of Thrifty Londoner Whether you want to fast-track your way to a financial goal, or have a little more disposable income, a side hustle can be a great way to add an additional income stream into your bank account and learn some new skills along the way. In a time of financial uncertainty, there’s never been a better chance to brainstorm some brilliant ideas, get them down on paper, and start up your passion project. Who knows- maybe your side hustle could end up changing your life? How To Decide On A Side Hustle Idea It can be pretty tough to decide exactly what ..read more

By Molly Benjamin, Founder, Ladies Finance Club + Betsy Westcott, Head Mony Coach, Ladies Finance Club It’s hard to Netflix and chill when you’re worried about how you’re going to pay your bills. As the measures to curb the spread of COVID-19 step up a notch, an increasing number of Brits are facing unexpected financial challenges brought on by the economic slowdown, a dive in financial markets and job losses. We know that so many Brits are feeling vulnerable right now. First the work slows down, then the money in your bank account starts to dwindle, you wonder which of your bills you can do ..read more

By Mia Taylor You are ready to level up your finances and meet with a Financial Adviser. So how do you go about finding one and what do you need to ask before or during your meeting? There are a few different ways to find an Adviser, one of the best ways is by recommendation from a friend. If your friends aren’t currently seeing an Adviser then you can try a quick google search or use the find an adviser search option on either the Association of Financial Advisers (AFA) or Financial Planning Association of Australia (FPA) websites. It’s a good idea to get in contact with a couple of Advi ..read more

Women have, on average, a fifth of the pension savings that men do. I wonder if that is because, however feminist we are, however loud we sing along to Destiny’s Child’s ‘Independent Women’, a lot of us still think, deep down, we will be looked after by a partner... but what should you do if you’re separating from your partner?  Lisa had some great advice If you find it upsetting to look at your finances, recruit a friend to sit there and go through them with you.Work out what you need to keep you going in the short term. What savings do you have access to? Can you borrow money ..read more

 Start your new life together with an eye toward financial stability. To help you take control of your future, check out Ladies Finance Club for money coaching and free resources.    The Best Tips for Buying Your New Home and Your Big Move While Your Wedding Plans are Underway by James Hall of Senior Care Fitness    Making big changes in life is exciting, but it can also be challenging.  If you are getting married, you already have plenty to do.  Add buying a new home and moving into it, and you might feel completely overwhelmed.  Ladies Finance Club off ..read more

By Julie Helary A lot of us have gone through many diets in our lives. Whether we are skinny or round, we have at some point noted down what we eat in a week and made our own little diagnosis: Today I had too many carbs, I shouldn’t have had that chocolate barre. More importantly, a lot of us have tried to restrict ourselves to the bare minimum in order to achieve our goals quicker and suffered consequences: in general, the weight (and more) is put back on a few weeks later and we developed bad food habits…  Exactly the same applies to personal finances.    When it comes to ..read more

Sticking to your Budget whilst on Holiday There are so many way to save money when it comes to holidays, so I have just included a few of the best ones. The most important one for me is to be realistic about your budget. The 5* Instagram worthy holiday is always going to be appealing, but if it derails your financial goals, is it really worth it? It is also important to remember just because your friends are doing it, doesn’t mean you have to. I know so many friends who are paying for their bad financial behavior in the 20s even a decade later. It is only now that the friend who was always on ..read more

If you were getting a divorce, what would you grab first? By Chantal Williams The nicest car, the furnishings? The dog? Or the house itself? We might ask ourselves such questions flippantly, or even joke about it with our spouse over dinner, but it’s always a grim reality for someone. And if you think that means this article is about divorce, think again. I only mention divorce because it can show up a mysterious blind spot that many women seem to have. In a marital split, people tend to reveal what they care about most. A few years ago, Unbiased conducted a survey of recently divorced couple ..read more

ver set your New Year goals with the best intentions but when Jan 17 comes around you back to your old ways and those resolutions are already long forgotten, if YES then you're not alone. January can be full of good intentions, but the restrictive nature of “paying off your credit card debt in record time” or “saving more than you have ever been able to save before”, all start to wear thin by February. Financial resolutions need to be “SMART” goals in order for you to have a better chance of achieving them. SMART stands for – Specific, Measurable, Attainable, Relevant and Time-B ..read more