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10 2010: New year, new finances2010:Five steps to financial fitnessFrom starting a spending diary to making sure you’re fully covered, our useful checklistwill help to get your money matters in shape for the year ahead1Make a budget...and stick to itStart by writing a list of all yourregular financial and household expensesand all your utilities providers, insurancepolicies, bank accounts, credit cards,savings and investments. Work out howmuch you’re spending each month, howmuch money you have coming in, and howmuch this leaves you for the non-essentials,such as going out for meals and shopping.2Set savings goalsIf you don’t have a savingsaccount, open one now! Seeour directory on page 30 for help. If you’resaving already, try to increase the amountof money you put back each month. Easyways to have a bit more cash left over toinvest include taking lunch to work, oreating out less often. An account thatgives you quick access to your savings,such as Foresters’ ISA, could be goodif you’re caught short with a large bill andneed money quickly, while more longtermsavings accounts like Foresters’ TaxExempt Savings Plan or Bond could giveyou a good return for the future.3Tighten up youroutgoingsMake sure your moneyisn’t languishing away in anyforgotten accounts by logging on towww.mylostaccount.org.uk. Findout if you’re getting the best deal on yourutilities by using comparison websites suchas www.uswitch.com, and see if you’reeligible for subsidised energy and moneysavinghome improvements by contactingthe Energy Saving Trust on 0800 512 012or visiting www.energysavingtrust.org.uk.4Keep on top of taxCheck your tax code. This usuallyconsists of one letter and a fewnumbers, all of which mean somethingdifferent. Make sure yours is correct bylogging on to www.hmrc.gov.uk andclicking on ‘Income Tax’ and then ‘Taxcodes’. Take advantage of tax-efficientsavings accounts such as an ISA or a TaxExempt Savings Plan (see page 30 formore on Foresters’ tax-efficient accounts).Check you’re not missing out on any taxcredits or eligible benefits by logging on towww.entitledto.co.uk. And make sureyou’re in the correct Council Tax band– visit www.voa.gov.uk/council_tax.5Checkyou’re fully coveredFirstly, make sure you’reinsured in case something bad orunexpected happens. This should includeprotection for your home, car and health.And make certain that you’re adequatelycovered in all of these areas. In a recentsurvey, a third of people involved said theyeither knew they had too little insurance orthat they weren’t sure what their coveragewas. To find out more about Foresters’insurance and protection policies, includingthe 50+ Life Cover and the SicknessPolicy, turn to the directory on page 30.WIN!A pampering Champneys spa breakAfter all that hard work on your finances, why not treatyourself and a friend to some pampering? Champneys isoffering a one-night stay and a free massage and facialfor two in one of its luxurious health resorts*. All meals andunlimited use of all facilities are also included. Just answerthe question below for a chance to win:What does ‘ISA’ stand for?Send your answer and contactdetails by 30th March to:Foresters Champneys Prize Draw,Specialist, Clifton Heights,Triangle West, Bristol BS8 1EJor email theforester@forestersfriendlysociety.co.uk.*See the back page for moredetails and full terms andconditions.
MiscellanyAll about you – for youWinter 2010page 12 Take a Cake Breakpage 13 Area news: East & Centralpage 14 Area news: Greater Londonpage 16 Area news: Scotland & NorthJohn EnochGet involvedWelcome to Miscellany, the official journal recordingthe news and activities of Foresters Friendly Societymembers. When you become a member of theSociety, you can join one of more than 250 regionalbranches, who meet socially on a regular basis,providing friendship and financial assistance.It’s been a busy few months for members acrossthe country, with lots of fundraising activities andentertaining social events, such as the ChristmasCarolcade concert in Chichester (pictured above).Everyone is welcome to join in these events, andequally the Miscellany team would be gratefulfor any contributions to the magazine.page 18 Area news: Southpage 20 Area news: Walespage 21 Member portraits and obituarypage 22 Diary dateswelcome from jim launchbury P12 Area news & Activities P13-20 member portraits P21 diary dates P22
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Page 8 and 9: 08 2010: FINANCIAL RESOLUTIONSCharl
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Page 26 and 27: 26 tax-efficient savingsAll aboutIS
Page 28 and 29: 28 CommunityForestersWe look at som
Page 30 and 31: 30DirectoryFor more details about a
Page 32: ✁32 crosswordColin’sriddle ofth

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