When it comes to investing in your ISA and pension, a common question is whether you should put in the full allowance as soon as possible or spread your contributions over time using pound cost averaging. Each year, the ISA and pension tax allowances reset, offering a fresh opportunity to invest tax-efficiently. But which approach works best for your financial goals and peace of mind? I’ve explored both strategies to help you decide what might suit your situation. Understandi

Weddings can quickly become one of the most expensive events in a person's life. For HENRYs the question often isn't just if they can afford a lavish wedding, but how much should you spend to balance dreams with financial sense. With average UK wedding costs rising steadily, it’s crucial to plan a budget that reflects your priorities without causing unnecessary stress. In this post, I’ll walk you through what HENRYs should consider when setting their wedding budget, share i

When you’re in your 30s, the financial choices you make can shape your future in powerful ways. Many people underestimate how much impact early decisions have on long-term wealth. Avoiding common pitfalls now can set you up for financial freedom later. I’ve seen firsthand how financial mistakes most people make when young can hold them back, but with the right approach, your 30s can be the decade you build a strong foundation. Maximising ISAs and pensions is key to UK wealth

When it comes to money, many of us wonder if we are on track. How much should you have saved by 25, 30, or 50? What does the average UK saver look like at different ages? And how does this compare to your own net worth and target retirement goals? I’ve explored these questions to give you a clear picture of average savings by age in the UK, with practical insights to help you plan your financial future. Average UK savings by age visualisation How Much Money Should You Have at

Interest rates in the UK are expected to fall to around 3% by the end of 2026. For high earners with mortgages, this shift raises a common question: is it better to overpay the mortgage or invest the difference? With mortgage rates coming down and stock market uncertainty still present, deciding where to put your extra money can feel tricky. I want to share some insights and practical considerations to help you make a clearer choice. UK suburban house with mortgage sign Under