As a self-employed freelancer income varies and there are times of boom and bust. Some months I am smiling as the jobs roll in and yet other months see me making less money but still having the same expenses - teenagers anyone! However, this post will explain why I have a Penfold Pension which is ideal for the self-employed. I also have a lovely Penfold referral code which will give you £25 when you sign up. I am also more aware of my … [Read more...]

Each month we have set bills that include our utility bills, our internet, phone and water bills. These are constant and we pay them each and every month. These fixed outgoings are often seen as the basics and anything we have left after these bills, plus food and mortgage or rent is the money we have to spend on activities and luxuries. How would you like to save money on these utility bills each month without changing your habits or cutting … [Read more...]

Level term life insurance is one of the simplest forms of life insurance cover, which makes it a very popular choice for those looking to take out a policy. A level term life insurance policy will offer you and your family financial protection, should the worst happen. It can bring a number of financial benefits to your loved ones at a time when they may otherwise struggle. Taking out life insurance may sound like a complicated decision to … [Read more...]

Do you invest your money? I am rather new to investing despite always being 'good' with money. I was the student who managed my student loan, I got a mortgage young and have always paid for everything we have bought upfront. We have been fortunate to live without debt and have a great standard of living. I have always subscribed to the living within my means ethos and that is what we did. Each month I save some money and have enough in the bank … [Read more...]

My parents have just retired and are eagerly planning in more travelling and catching up with friends that they have been too busy to see in recent times. My mum also has a new car in her sights and I am sure that there will be a few other purchases along the way. My mum was in the teacher's pension scheme and it has served her well but it got me thinking about my own self employed retirement options. As part of generation self-employed, I … [Read more...]

Self-employed loans are actually great opportunities for you to be able to actually get to where you want to go. If you have your own business and you want to expand and grow it, getting a loan for this purpose could really help you in achieving your goals. If you are a professional musician, getting a loan could also help you to make your craft better. You could get a chance to record in a professional studio for your self-entitled EP or maybe … [Read more...]

Leaving teaching five years ago was great decision for my family. Since then I haven't missed school assemblies, sports days and I haven't had that heart-stopping panic when the children are poorly and I can't get into work. Yet there have also been sacrifices made because I left a career that bought with it a greater sense of job security and a package of employment related benefits. I had sick pay, maternity pay and of course a teaching pension … [Read more...]