ValueSpeaks

7 ways to reduce your PAYE tax (UK) bill

Tolu — Mon, 07 Nov 2022 07:46:33 +0000

Introduction Every little count more than ever especially with all that is presently happening with the cost of living crisis. Maximising income is as important if not more than just keeping costs low. One of the things I learned from reading the millionaire next door was that rich people minimise their tax bills. Controversial as […]

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This is why you need a sinking fund

Tolu — Wed, 22 Jun 2022 06:07:16 +0000

A sinking fund is a fund used to set money aside to fund/meet a future obligation. It is commonly used by big organisations to set money aside to repay obligations such as bonds. There are a lot of applications of the sinking fund method to personal finance. Applying the same concept, you can use your […]

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how to reduce financial anxiety and improve your finances

Tolu — Mon, 09 May 2022 21:11:26 +0000

Financial anxiety is a common phenomenon, especially among millennials. It can be caused by a variety of factors, from not having enough money to save up for emergencies to not knowing how to invest in the future. The cost of living is to reach the highest levels since 1992 with inflation predicted to hit a […]

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Adulting 101: The Ultimate Personal Finance Checklist

Tolu — Mon, 14 Mar 2022 19:00:48 +0000

Do you ever wish you could just take some time off this adulting business? Check out from all responsibilities, have someone else worry about what you eat whilst ensuring that it’s healthy, decide what you wear and plan your schedule? You are not alone! There are days we all long for our ‘no responsibility’ childhood […]

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5 ways to turn saving into a habit

Tolu — Mon, 08 Nov 2021 11:40:00 +0000

Ever wondered why it is easier to spend than save? Regardless of how hard we try, we still find ourselves struggling to save money. There are many reasons for this: the constant temptations and marketing campaigns, the lack of motivation, and even the fact that we’re paying more attention to comparing prices than looking at […]

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Inflation: 4 ways to protect your finances

Tolu — Mon, 18 Oct 2021 10:58:00 +0000

Inflation is a general increase in the prices of goods and services. The Bank of England, which is the central bank of the United Kingdom, has been given a target by the government to keep inflation below 2%. However, inflation has risen recently to 3.2% in September 2021, which means that prices now are more […]

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8 behaviours preventing you from wealth building

Tolu — Wed, 08 Sep 2021 22:57:19 +0000

Habits, attitudes, behaviours are so important as they make up our actions and decisions or even indecisions and aid/prevent you from wealth building. There are many principles of wealth building. One principle is the ability to generate and increase your income. However, the ability to keep most of it and use it to generate more […]

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Retirement Income Planning – How to Get Started

Tolu — Tue, 31 Aug 2021 21:35:00 +0000

Retirement Income planning is more important now than ever with the increasing cost of living and rising inflation rates. ⁣⁣What’s more, it’s never too early to start planning your retirement as the earlier you start planning, the more time your money will have to grow in value.⁣⁣ What is retirement Income planning? Retirement Income planning […]

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4 quick and easy ways to make extra income (UK)

Tolu — Mon, 17 May 2021 11:00:00 +0000

Saving can be challenging when income is tight. These 4 quick and easy ways to make extra income can help boost those savings or put a little extra in your pocket to ease the pressure. I have used these money-making ideas to raise money for projects that I have decided not to fund from my […]

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5 ways to save money on a tight budget

Tolu — Mon, 03 May 2021 08:00:00 +0000

Despite the news of the increase in household savings in the UK, there might be many struggling to save enough towards financial goals. This may be due to less income received when furloughed, loss of jobs, or just the difficulty in saving enough for goals that require a big cash outlay. Often, the majority without […]

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