Why an effective financial plan might involve spending more
When people think about financial wellbeing, they often link it to frugality or building wealth. Yet, an effective financial plan isn’t always about that, sometimes, it might make sense to spend more. It can be…
How past efforts and losses might affect your decisions today
Have you ever made a decision to continue with a course of action based on what you’ve already put into it? This bias, known as “sunk cost fallacy”, might mean you don’t make rational decisions…
The barriers to financial wellbeing
This guest blog was written by Chris Budd who wrote the original Financial Wellbeing Book, and also the Four Cornerstones of Financial Wellbeing. He founded the Institute for Financial Wellbeing and has written more than…
Your Spring Statement update – the key news from the chancellor’s speech
After Rachel Reeves’ impactful first Budget in autumn 2024, you might have been concerned about the announcements that would be included in her Spring Statement on 26 March 2025. Reassuringly, the major headline from this…
The surprising ways you could boost endorphin production
Endorphins are the body’s feel-good hormone, and it is released by your brain in response to pain or stress. While most people are familiar with endorphins from the “runner’s high”, a state of euphoria induced…
How to reduce your Capital Gains Tax bill in 2025
A combination of rising rates and panic ahead of the current government’s first Autumn Budget has led to HRMC collecting a record amount in Capital Gains Tax (CGT) towards the end of 2024. According to…