Essentially Local January-February 2018

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Carl Roberts A latte a day or a holiday a year If you enjoy a nice hot latte brewed from a fancy coffee shop, the next time you think about grabbing one on the way to work, think again. I was chatting to a woman who hadn’t been on holiday for years and was envious of friends who always went away. Most days she enjoys a nice cup of coffee and a quick calculation showed that if she made her coffee at home every day and brought it to work in a flask she would save around £2.40 a day. That’s £12 a working week, which could be £576 a year! More than enough for a fantastic holiday at home or abroad. So when it comes to money it’s all about choices. If you really want something it usually means choosing one thing over another. When it comes to saving, start small and make it regular. You can apply the same principle to any of your extra little luxuries. For your own personal Financial Director to run your family finances call: Carl Roberts FPFS, Chartered Financial Planner carl@rtsfinancialplanning.co.uk rtsfinancialplanning.co.uk 01908 592544 07702 965275 Saving with utilities RTS Financial Planning Limited is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales. Registration number 10619163. 21 Fosters Lane, Bradwell, Milton Keynes, MK13 9HZ For advice on wills you can also speak to Ashley at Simply Wills 01908 866541 www.simplywills.org You’ve probably heard numerous times how we are paying too much for our gas and electricity because we don’t switch providers. Well unfortunately it’s true! Utility bills are only expensive if we let these energy companies get away with charging higher prices. The best way to avoid this is to take your custom elsewhere. It’s so simple to do nowadays and there are lots of great comparison websites to help, such as uswitch.com. You could save up to £491! A Will - Your financial plan for after you’ve gone Did you know that even if you are married and don’t have a Will your spouse may not receive all of what you leave behind? If you’re not married but in a long term relationship, it’s highly likely your partner will get nothing unless you have a Will in place. If you don’t have a Will then the courts use the laws of intestacy which outline who gets what. A Will doesn’t just make things easier for the loved ones you leave behind, it also allows you to distribute your money in a way that can avoid Inheritance Tax. Without proper Inheritance Tax planning you may find that whatever you leave is reduced by a 40% tax charge! Leaving everything via your Will to your spouse is one option to avoid this but using a Trust with your Will could take your planning to the next level. 28 Please mention <strong>Essentially</strong> <strong>Local</strong> when responding to advertisers
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Page 1 and 2: keeping you... January/February 201
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Essentially Local January-February 2018

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