How salary sacrifice can help your employees access their free childcare hours

The government’s ‘Free Childcare for Working Parents’ scheme aims to cut the cost of childcare by providing eligible families with 30 free hours per week (from September 2025). The scheme is available for working parents, but not those who earn (or whose partner earns) an adjusted net income of over £100,000. This can leave some […]

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7 things to think about when choosing a workplace nursery scheme

As most parents will tell you, sorting out childcare can be a huge headache. There are so many things to think about if you want your child to go to a nursery, including the cost. That’s why many employers are now introducing workplace nursery schemes, a way to help employees reduce the financial burden of […]

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Festive spending hacks: 5 ways to spend wisely over the festive season

cut costs christmas

Let’s face it: December can be expensive! What with work parties, social gatherings with friends and neighbours, gifts, special dinners and New Year celebrations, festive spending can rack up a significant cost if not managed carefully. And, of course, after a couple of restricted years, we are all keen to make the most of our […]

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The Essential Guide: How Much Should You Save in Your Emergency Fund?

Did you know you have a 250,000,000/1 chance of dying from a falling coconut? Or, if you are left handed, you have a 4,400,000/1 of being killed using a right-handed product? Yes, ok, these incidents are highly, highly unlikely. But the chances of everyday emergencies affecting you are worth considering… For example: On average Brits […]

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How to give your children £500,000 in ‘free’ money

You can take an action today which could give your children hundreds of thousands of pounds in the future for ‘free’. How? Junior pensions!

A Junior Pension is a savings account that you set up for your children or grandchildren. You can pay in up to £2,880 per year. The government tops up the amount by 25%, taking the total up to a maximum £3,600 per year. This money is held in their name and invested on their behalf, tax-free, until they can access it from age 55.
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