to the summer 2013 <strong>issue</strong> of <strong>Foresters</strong>Magazine. I hope you’ve been enjoying thesummer so far, in spite of the somewhatunpredictable weather, and are making themost of the lighter and longer days.In these cash-strapped times we’re all looking to save abit of money, so I hope you find our article on how to makesavings in everyday life useful. Whatever you decide to dowith the extra money you save – putting it into a savingsaccount or spending it on a day out – I hope you have fun.We’ve also included some information on our memberbenefits. They are well worth making the most of – andcould save you a bit of money, too!With best wishes,PaulPaul OsbornChief Executive, <strong>Foresters</strong> <strong>Friendly</strong> <strong>Society</strong><strong>Foresters</strong> magazine isproduced for <strong>Foresters</strong> <strong>Friendly</strong><strong>Society</strong> by Specialist.For <strong>Foresters</strong>: MarketingDirector: Neil Armitage;Marketing Manager: SallyWaterfield; Address: <strong>Foresters</strong><strong>Friendly</strong> <strong>Society</strong>, <strong>Foresters</strong>House, 29-33 Shirley Road,Southampton SO15 3EW;Website:www.forestersfriendlysociety.co.uk<strong>Foresters</strong> <strong>Friendly</strong> <strong>Society</strong> is thetrading name of The AncientOrder of <strong>Foresters</strong> <strong>Friendly</strong><strong>Society</strong> Limited which is anIncorporated <strong>Friendly</strong> <strong>Society</strong>(Registration No. 511F) and isauthorised by the PrudentialRegulation Authority andregulated by the FinancialConduct Authority and thePrudential Regulation Authority(Registration No. 110029).For SPECIALIST: Editor:Anna Kierstan; Art Editor:Emily Turner; Production: PipLeyland; Promotions: GabrielaStaniszewska; Address:Specialist, Fourth Floor, EmbassyHouse, QueensAvenue, BristolBS8 1SB; Tel:0117 925 1696;Website: www.specialistuk.com© SpecialistPublicationsUK Ltd 2013Welcome...1020ContentsWin!6 guaranteed savings planSaving for the future needn’t costthe earth with our GSP7 Good advice Where can you go for good, independentfinancial advice?8 A HELPING HAND How your <strong>Foresters</strong> member benefitscan help you following changes to the NHS10 TO HAVE AND TO HOLD What are your rights if you’reliving together but not married?13 THE LONG GAME Adopting a strategic approach to yoursavings can help you to achieve your goals15 SUPER SUMMER SAVING SPECIAL Inspiring money-savingtips for when you’re in the house, in the garden, on theroad or on a day out with the family19 SING A SONG The benefits of singing20 oh i do like to be beside the... Why we all love a dayat the seaside23 a load of old wife?Old wives’ tales debunked24 FORESTERS member benefits Be sureto make the most of yours25 Over to you What our customershave to say26 FORESTERS IN ACTION Members’latest fundraising efforts and events28 COMPETITIONS Read the winningshort story and see the winning photo!National Trustfamily membershipSuper ScrimpersbookTea for twoT&Cs apply24News...Savings, summer holidays and updates to ourBond and ISA products… the latest news andviews from <strong>Foresters</strong> <strong>Friendly</strong> <strong>Society</strong> and beyondSavings vital as households are more stretchedPeople are being urged to save more on aregular basis, after a survey revealed thatalmost half of the UK’s homes wouldstruggle if they had to findanother £99 a month.With inflation higherthan wage increases,46 per cent ofhouseholds wouldstruggle to find <strong>this</strong>extra money, accordingto Halifax. It said thatmiddle-aged people arebeing hit hardest, with thosein their 40s and 50s most likelyto face rising household bills.Women put onan average of 1.5lband men put on5lb on a 10-dayholiday. Greece,Turkey, Portugaland the USA are thedestinations that aremost likely to pile onthe pounds.Source: Thomas CookThe averageBrit is now puttingaside just over8 per cent ( 104)of their monthly incomeinto savings.Three in 10 ofus take teabagson holiday, 20%pack vitaminsupplements,11% take a photoof loved ones –including pets – and4% travel with theirteddy bear.Source: World Travel MarketIndustry Report 2012Source: NS&IThe survey revealed that 26 per cent ofhouseholds would be stretched byan increase of £49, while13 per cent would find ithard to get holdof even just£24 moreeach month.“We want to highlightthe importance andvalue of long-term savingfor everyone,” saidNeil Armitage, <strong>Foresters</strong>Marketing Director. “As amutual, our aim is to providemembers with a range ofDID YOU KNOW? HOLIDAY facts and figuresTwelve millionconsumers planto use a credit cardwhile holidayingabroad <strong>this</strong> summer,racking up feesof £327 million(around £3each time).Source: USwitch.comBritish holidaymakersare willingto spend an averageof £4,279 ontheir dream tripof a lifetime,while more thanone in three wouldbe willing to spendmore than £5,000.However, sadly,over a third believethey will never beable to savea sufficientamount toactually go.Source: TescoTravel Money3 foresters newsstraightforward financial solutions, whetheryou’re thinking of saving regularly orinvesting a lump sum.“<strong>Friendly</strong> societies offer savings planswith unique tax advantages, and saving alittle each month can make a real differenceto your finances.”<strong>Foresters</strong> WithProf its highly praisedWe have once again beencommended in the highlyrespected Money Managementannual With Profits survey.<strong>Foresters</strong> came sixth outof 55 companies according tomaturity values for a male aged 30over 20 years*. The <strong>Society</strong> wasalso highly praised for the strengthof its performance achieved froma balanced blend of equities, fixedincome and property investments.The report goes on to note thatthe “real positive figures” lie in thepayouts from providers, such as<strong>Foresters</strong>, which are still open tonew client business.* Based on the maturity payouts in February2013 for a With Profits policy taken out inFebruary 1993 by a male non-smoker aged30 next birthday paying £50 a month. Pastperformance is not a guide to future performance.Images: Getty