Journal

Guides for everyday money decisions

Short articles on pensions, cash buffers, ISAs and family cover — written for UK households, not for product marketing.

Person reviewing charts and notes at a kitchen table

2025-11-12

When to review your pension before leaving work

A practical timeline for checking contributions, charges and projected income in the decade before retirement.

 Notebook with household budget calculations

2025-09-03

Cash buffers that make sense for UK households

How much emergency cash to hold, where to keep it, and when surplus cash might sit better in an ISA.

 Documents and pen on a wooden desk

2025-06-18

Reading a life insurance schedule without the jargon

A plain-English walk through sum assured, term length, trust wording and what happens if premiums stop.

 Calculator and financial papers for ISA planning

2025-03-22

ISA allowances and the order of using them

A calm order for filling cash and stocks and shares ISAs alongside pension contributions.

 Two people in conversation across a meeting table

2024-12-05

Questions worth asking in a first advice meeting

A short list of questions that keep an introductory financial planning conversation useful and specific.