Your New Year Finance Review

Kate wins Chartered Financial Planner of the Year 2016
December 14, 2016
Married Tax Allowance
January 25, 2017

Your New Year Finance Review

January can be a difficult time of year in terms of cashflow.
The bills come in after Christmas and even if you have budgeted for the festive season you may still find yourself short of money.

The new year for a lot of people is a great chance to review finances and see where you can save money. There are the obvious ways such as making your own lunch, cutting back on going out, not buying your daily coffee etc but often the bigger expenses are over looked.

Mortgage review

2016 was on the whole a good year for those taking out a mortgage or remortgaging. As the interest rate fell buyers were able to borrow money at a favourable rate and some fixed that rate it for five years.

We often find that people who come to us have been on a variable rate for a number of years and haven’t got round to changing it, but by fixing your mortgage at the current interest rate you can budget for the coming years knowing that your mortgage payment remains the same.

A good year last year unfortunately means that interest rates are bound to increase in 2017 so now is a great time to fix your rate. Speak to your adviser for more information or if your mortgage renewal date is coming up.

Life insurance

You may already have life insurance and critical illness cover but did you know that some providers offer great rewards whilst protecting you and your family?

The new year often brings a wave of people getting fit and losing weight and some providers offer great rewards for doing just that!

Talk to us about switching your life insurance and you could get cinema tickets or even free coffee just by tracking your steps!


It hasn’t been great news for savers of late. Savers are not seeing much return on their investments. Interest rates look set to rise albeit it slowly in 2017, so why not think about paying off some of your mortgage instead. There are many ways to help you money work harder for you and we can help find the solutions.


And finally once you have made the changes write them down!
Putting a budget in place will really help you keep track of your money, even if it is as simple as ‘income’ and ‘outgoings’ so you know how much surplus you may have a month.
It doesn’t have to be complicated, just a simple spreadsheet will do.

If you have any queries or questions on how you can improve your financial situation or if you are thinking of moving this year or making a change, call our office and make an appointment to speak to one of our advisers.
Initial consultations are free of charge.


  1. Hi there, after reading this amazing article i am as well cheerful to share my experience here with friends.

  2. Skype has launched its web-based client beta to the world, right after introducing it broadly
    within the Usa and You.K. previously this 30 days. Skype for Internet also now supports Chromebook and Linux for instant online messaging conversation (no video and voice
    nevertheless, those call for a connect-in installment).

    The expansion of the beta provides assist for
    an extended selection of languages to assist reinforce that overseas

  3. پنجره says:

    I frequently go through your posts attentively. I am likewise fascinated by upvc front doors, you might write about that sometimes. See you.

  4. It was actually amazing to read this and I think you are entirely correct. Inform me if perhaps you are interested in upvc door handles, that’s my major competence. I am hoping to hear from you soon, be careful!

  5. Hertha says:

    Hi just wanted to give you a brief heads up and let you know a few of the pictures aren’t loading properly. I’m not sure why but I think its a linking issue. I’ve tried it in two different web browsers and both show the same results.

  6. karaj says:

    Very nice post. I just stumbled upon your blog and wanted to say that I have really enjoyed surfing around your blog posts. In any case I will be subscribing to your rss feed and I hope you write again very soon!

  7. karaj says:

    Today, while I was at work, my cousin stole my iPad and tested to see if it can survive a 25 foot drop, just so she can be a youtube sensation. My iPad is now broken and she has 83 views. I know this is totally off topic but I had to share it with someone!

  8. Hi there could you inform me which blog platform you’re utilizing? I’m going to start off my personal site on Arvind Pandit very soon although I’m having difficulty making a choice.

  9. Hey there. I just noticed this amazing site and I certainly enjoy it. I like to speak about kmspico latest version at times. Great to be around, regards!

  10. You are totally right and I agree with you. Whenever you wish, we can also chat about opera mini for windows xp, one thing which fascinates me. Your site is remarkable, regards!

  11. I really like what you fellows are up to. This type of clever work and visibility! Continue the wonderful effort friends, I’ve added you to my personal thai lottery web page.

  12. Elliott says:

    It’s actually a nice and helpful piece of information. I am glad that you shared this helpful info with us. Please keep us informed like this. Thanks for sharing.

  13. You’re totally right and I definitely understand you. If you wish, we might as well chat around cell phone tracker, something which fascinates me. The website is truly impressive, best wishes!

  14. read more says:

    You’re absolutely right and I totally understand you. When you wish, we might as well chat about lucky patcher for iphone, a thing that fascinates me. The site is remarkable, regards!

  15. Hey. I just saw this site and I truly like it. I also like to discuss kik messenger free at times. Great to be around, cheers!

  16. Darwin Horan says:

    I am interested to discover what site system you are using? I’m having some slight security challenges with my latest website dealing with real estate taxes so I’d love to find a thing much more risk-free. Are there any strategies?

  17. Howdy! This is my first reply on your website so I simply wanted to say a fast hello and say I truly enjoy reading through your posts. Can you recommend any other blogs that cover building intercom system? I am also quite interested in this! Thanks a lot!

  18. Thank you for discussing the idea, I saved the page. I’m furthermore interested in info about intercom installation, have you any idea where I might come across something like that? I’ll be back very soon!

Leave a Reply

Your email address will not be published.