But Should Not End There.

We all like to say we do our bit for charity, helping others is indeed a very noble thing to do, some donate their money and some donate their time. So many families deserve to spend time with their loved ones in their own home, sometimes this is not always possible due to work, illness not having the time, let it be a learning curve we should all make the time no matter what the circumstances are as you will never get that back and can not measure that in monetary value.

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To Be or Not Be

Well its that time of the year again when everyone rushes to get a bargain. Or is it a bargain, it depends on your purchase, are you actually throwing away money when you could be saving?

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Out with the Old and in with the New

With the run up to Christmas and New Year it’s a great time to have a tidy up and re-evaluate where you are with your personal and financial affairs. Its that time of year to start thinking about having a good clear out and plan for the future. You may be considering moving home, re-mortgaging, revising your investment strategy or reviewing your retirement plans.

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The question everyone wants answered.

Only time will tell however a small and steady rise won’t hurt funds but a steep increase may. Depending on your attitude to risk if looking at long term investments of 10 years or more, much will stay the same.

Long term we can see a benefit for the saver. Savers should enjoy some relief if the Bank of England’s Monetary Policy Committee does increase base rates by 0.25 per cent to 0.50 per cent tomorrow, in what will be the first hike in a decade.

This is likely to trigger a savings war, as banks and building societies respond by increasing their own rates in return.

However, Anna Bowes, director of independent savings advice website Savings Champion, said “with the consumer price index now at 3 per cent savers still cannot secure an inflation-beating return.”

Those with mortgages have had it good for 10 years or so. Can they really complain now?

1st Financial Foundations