Budget like a grown up
"Do not save what is left after spending, but spend what is left after saving" - Warren Buffett
Cutting back on spending is hard. So we want you to do it as little as possible. But a staggering number of people are approaching retirement, having children, or arriving at that "rainy day" and finding they just haven't saved enough money. There's a simple explanation for this: very few people actually know how much "enough money" is.
By understanding your lifestyle and how your spending patterns are likely to change (and with a bit of wizardry in the background), we start by answering the most important question you can ask about your finances: how much should you be saving? And, conversely, how much can I actually afford to spend?
This is the logical starting point for everything we do, and what differentiates us from other financial planning services. Having a meaningful and justified savings target is also an important step towards financial freedom - finally, you can stop always trying to save more, and start saving enough instead.
But that's just the start...
When it comes to money, there is one aim almost everyone has: to be able to spend more without it coming back to bite them later. Long-term affordability is at the heart of what we do, and we understand the factors that affect this. And this provides an ideal platform to understand the long-term financial impact of the decisions you make.
Pension or ISA? Buy or rent? Which mortgage should I get? By quantifying the effects of these decisions on your long-term financial health, we'll help you make the decision that's right for you.
We'll also help you set a sensible budget and keep your spending and savings on track, giving you the resources and confidence to save what you need, and spend what you can afford.