One in three of us will retire being completely reliant on a State Pension. More of us will experience a shortfall in our pension too. Knowing what to expect in your retirement can save you from a nasty shock when the time comes, giving you the chance to fill the financial gap you may be left with.
In a recent survey conducted by Nationwide, it was found that on average, retirees will be falling short around £400 every month. Take into account those that will be retiring in a few years who want a few luxuries, and the gap becomes even wider.
Saving right now could help you avoid the pension shortfall. Speaking to a financial advisor is a good idea, and they will likely use financial advisor software to advise you of the best options to take.
What do you want your income to be when … Read More
Do you work from home or spend a good deal of your time working at home? If so, you will likely have a home office or a space that you use to complete as much work as possible. For that reason, you may want to update or create an office space that is not only stylish, but functional for your needs. As such, here are a few of the best ideas that can help when it comes to decorating a stylish, but functional, home office.
Use Nature as Inspiration
If you spend a lot of time working indoors, it’s safe to say that you may miss out on the beauty and clarity of going out into nature on a regular basis.
A good way to add this natural feel to your space is through house plants and bright, natural, colours – think lots of green in many forms. Adding a … Read More
Buying your first home is both a daunting and exciting journey, but ensuring that you thoroughly plan your finances can keep you on track throughout this time. As a first time buyer, it is very easy to get excited and let the idea of owning your own home take over your thoughts, without considering your finances or the other tasks at hand.
But, it is also very easy to become pessimistic and be put off by various steps along the way. There are some top tips which all first-time buyers should keep in mind when it comes to getting on the property ladder in order to make the process much more hassle-free and fun.
Save, And Then Save Some More
Whilst there are some LTV (loan to value ratio) mortgages on the market, with some going up to as much as 95%, it is important to remember that the bigger … Read More
To renovate or not to renovate? That is often the crucial question when you are preparing to put your house on the market. When you want to move up the property ladder towards your dream home, then you need to know how you can maximise the value of the home you are in now. Even if you aren’t planning on selling your home anytime soon, it will be a huge benefit if you know the areas you can make extra money when it does come to selling. There are certain projects which almost guarantee a boost in both your home’s appeal to buyers and its value.
Correct Any Structural Issues
One of the best ways that you can add value to your home is to sort out any underlying structural problems. Issues, such as subsidence, will dramatically lower the value of your home, plus it makes sense to do … Read More
If you’re considering or already on the road of a startup journey, then one of the biggest decisions and tasks you will have to undertake will be in regards to setting up an office for the task. Doing so can be quite a large undertaking, especially the bigger the potential office is. So, you need to carefully figure this out in order to be as successful as possible with your new startup.
For that reason, here are a number of ways that you can work to set up your very own startup office. One that helps enhance and support the growing culture and future of your business.
Put Together a Plan
A plan is always better than attempting to do something without any ideas or contingencies in place. Things can and will go wrong, so being prepared for this is vitally important. Or you risk a number of mistakes which … Read More