Year: 2019

My House is my Pension

My house is my pension

What do you do if your pension doesn’t look like it’s going to provide you with enough income when you retire? You either work for longer or look to your assets. If you are a home owner, one of your biggest assets is likely to be your house. In an ideal world, no one should…
Intergenerational Planning

Intergenerational Planning

If we were to ask you where you would like your home and money to go when you pass away, you’ll probably say to your family, and that is no surprise. You have worked hard to earn what you have and besides, it’s a parent’s prerogative to look after their children no matter what their…
Plastic Free July

Eddie Teddie is giving up plastic for July!

Hello Friends! This month, rather than focusing on saving money, I am focusing on saving the planet! To do this I am taking part in Plastic Free July. This means that I have to avoid using single-use plastic, helping to reduce plastic waste. Single-use plastic includes things like plastic bottles, drinking straws and food packaging.…
accessing your pension without advice

Is it wise to access your pension without seeking advice?

We have written quite a few articles about pensions. Hopefully we’ve highlighted the importance of seeking advice as part of the pensions process. Everyone is going to need to access their pension sooner or later. Whether you’re approaching your retirement, or if it’s still a decade away, the more informed you all are about it, the…
Income Protection for under 35s

Should People Under 35 Have Income Protection Insurance?

Income protection is often something that people don’t consider until later in their lives. But new research shows that financial advisers believe people should be considering income protection much sooner. The research, carried out by Royal London, acknowledged that, despite its many benefits, Income Protection isn’t the easiest protection to sell. But, under-35s are a…
Eddie Teddie's Big Summer of Saving

Eddie Teddie has a book!

Hello again, it’s your friend Eddie! This month I have some extremely exciting news! I have been keeping a little secret for a while now. Finally, I can tell you all about it…I have a book! I have recently had a great adventure and learned a lot about saving. The amazing team at Face To…

Eddie Teddie goes to Auntie Becky’s wedding!

Hello Friends! I have had such an exciting time this month! Auntie Becky got married. Have you ever been to a wedding? This was my first one and I thought it was absolutely brilliant. There was a marriage ceremony followed by the wedding reception. At the wedding reception there was delicious food and loads of…
Pound Cost Averaging

Pound Cost Averaging

Here at Face to Face Finance we’re very much focused on the long-term when it comes to investments.  If you are worried about the ups and downs in the markets and not sure when is the right time to invest, we look at pound cost averaging as a way to take advantage of these ups…
LTA

What to do if you hit your lifetime allowance (LTA)

As a nation, we are beginning to save more money for retirement. What with the government’s auto enrolment scheme, we are starting to put money into our pensions earlier than ever. But does this mean we are all running the risk of hitting our lifetime allowances? If so, what happens then? What is the current…
The Uk's attitude to Personal Debt

The UK’s attitude towards personal debt

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Debt. A word that we’re all familiar with. Most of us are likely to have some form of debt at least once in our lives. But a recent survey by KnowYourMoney has discovered millions of Brits are losing sleep over the four-letter word. What did the survey find out? In recent years, the level of…
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