There are only four sure ways to accumulate money.
 
Firstly, you can steal, but may I suggest this is not a good move! As they say, easy come easy go, and you will always be looking over your shoulder trying to work out who's going to steal from you.
 
Secondly, you can wait to inherit. The only problem with this is you don't know when and if you are fortunate enough to have relatives with money, how much will be left? They may have to go into a care home at some stage which will quickly use up money and there could be equity release arrangements to pay back,  so you may find there is not much left over after all.
 
Thirdly, you can simply work hard and save over your working life. This is the nearest that most will get to achieving a comfortable level of money and with careful planning and discipline, this is a good option.
 
Lastly, if you are a hard worker and willing to take a bit more 'risk', then being self-employed, a shareholder in a growing business or a business owner that’s delivering a valued service, is one step better than working hard for someone else as you get to keep the fruits of your labour if you manage your money wisely.
 
So, there you have it no real secret and your mum and dad where right after all!
 
If you would like to build your future please contact us

​I recently found myself at a social event - I know, me, Mr unsociable! Anyway, I was chatting with a chap who is very passionate about his successful career. I suspect he does not know what I do and as I am the worst networker, I did not tell him.
 
The interesting point is that he asked how we fared through the pandemic and I replied politely and modestly that we fared better than most and I reciprocated the question knowing he runs his own business.
 
He said that he had only just about qualified for a bounce back loan which he was very pleased with himself to have secured, and then went on to explain that this gave him enough money to renovate his bathrooms, all three of them!
 
Clearly, this was an opportunity to access a large amount of money, and some might think "that was a cool move - smart guy", but on the other side some might think "the world is about to end, we don’t know how we are going to be affected financially, and will we be able to put food on the table - is he nuts?!"
 
You can probably guess where I sit with this but the point I want to make is that in order to escape the financial chains and oppression you need to plan and build your escape, adding to your oppression by borrowing money to get a short-term high is the road to failure…

We are happy to talk with people who at least want financial freedom even if they have not got all the tools at this time to succeed.

In order to become rich, you must start somewhere, ‘at the beginning’.

If you do not what to be a slave to the system, then you need to plan to buy your freedom so that you are no longer a slave.

The first thing you must do is ‘pay yourself’ and that needs to be around 10% of your income, what 10%? Yes, at least!

You must then live on the remainder, and you will surprise yourself because I bet you will not actually feel any real difference once you adjust.

As you progress through time your wallet will start to fill, but do not be tempted to spend what has been accumulated, if you do, then you will always be a slave and will fail.

Keep one eye on your heart’s desires of what your future will look like and the other eye on how to make this money start to work for you.

If you invest well your money will produce more money and this money will also in turn be working for you and your family's future. So, through the benefit of compounding returns your money accumulates faster.

So, now you know, there is no great secret, you simply need to spend less than you earn and invest wisely!
​
Remember, from small acorns do big oak trees grow.
 
#financialfreedom#liveyourbestlife

We are all on a journey in life and if you think about it carefully.
What is it you want to achieve?
What are the memories you wish to create?
How do your cash, investments, and pensions support your goals and do you even have a financial plan?
You are destined to earn a set amount of money over your lifetime so the question is do you know how to use it wisely?

It is only when we face reality and put a plan in place that we can take control.

Having a sound plan helps us to avoid wasting our hard-earned money and make the most of what we have so that we can enjoy the things that make life great.
​
After all, life is not a dress rehearsal.
 
#money #investments #livingthedream

Well, there may be a good reason why this may be the case…
 
You are a smart cookie and you understand the value in being careful with the pennies so the pounds take care of themselves, right? Whilst this is an excellent discipline to have, you may be missing one part of the jigsaw.
 
Let me explain, if you know how much you will need to live your best life then you may find that you are in a better position than you thought and this could give you the confidence to loosen your purse strings and do more of what you love.

This is the power of a cashflow modelling - freedom!

You were going to leave school, become a millionaire and sit on the beach for the rest of your life drinking cocktails!

So, what went wrong?

Like all plans, it's the execution that counts .

Ask yourself...did I stick with the plan or did life take over?
 
Wherever you are today, remember, tomorrow is a new day and the first day of your future life.
 
Do you really need to be a millionaire to be happy? Is happiness more about creating memories and moments with those you love?
 
Whatever your dreams, having the financial security to live your best life should be the goal and this is why having a financial plan is so important.
 
It's not too late, sit down with your financial adviser today and make things happen.

​Take five minutes to think about…
 
The life you've had…
 
The life you've got…
 
And the life you want…
 
Now, what would you change or do?
 
Your money is an important ingredient but not the only ingredient.
 
Use your money as well as your health, knowledge and love to live your best life, and start today!