🟣🟢 Sunday reset

👋 Hello and happy Sunday

You’ll be pleased to know that I’m not going to comment on the B word - I’ll be doing that later in the week once we know the actual facts.

I’ve noticed in conversations with clients that everyone feels a bit slow at the moment and everything is harder work.

It’s not surprising.

The mornings are darker, the days appear shorter, and hibernation seems more appropriate than productivity this time of year.

If that’s the same for you, I find it helps to go small.

Just tiny money tasks that give you a quick sense of control again. The sort of things that take five or ten minutes, but instantly clear some mental clutter.

A few examples you might try...

• Tidy up any stray savings accounts. I often find that people have got lots of old pots sitting around earning next to nothing. Move them all into one place. Even seeing one clean balance can feel satisfying.

• Check where your day-to-day spending actually goes. A quick scroll through your banking app is often enough to spot something you didn’t intend to keep paying for.

• Review your direct debits. Prices creep, services renew automatically, and sometimes the list looks nothing like the life you’re living now.

• Log into your pension or ISA. Not to worry about performance, but simply to reconnect with it. And if you don’t have access to it online, ask for a statement (and maybe think about changing it to make it easer to manage)

• Automate one tiny thing. A small monthly investment or transfer you don’t have to think about. Even twenty pounds. It’s the habit that matters, not the size.

None of these are glamorous. They won’t appear in any financial headline. But they give you a bit of clarity at a time of year when most people feel like they’re chasing their tail.

If you’re stuck on where to start, pick one. And if you want me to check anything for you or talk through a niggle you’ve been avoiding, just reply to this email.

Small steps work.

Before I go, a quickupdate you might have missed.

Cash is an important part of everyone’s financial plan, and this week the FSCS announced that the compensation limit will be increased to £120,000 from 1 December.

In other words, you’ll be covered for up to £120,000 in compensation if a UK authorised bank or building society goes out of business. Per person, per firm.

It also covers temporary high balances of up to £1.4 million for 6 months after a major life event such as selling a home or receiving an inheritance.

Here is a link to the FSCS website it you want more details.

😎 THAT’S IT FOR THIS WEEK

If you have any questions at all, do ping me a reply or get in touch 👇

Hilary 😉

P.S. WHAT ELSE? 👉 Book a call with me here (or if you prefer, call one of my team on 0117 9629696) and I’ll help you make sense of what you’ve got and what it could be doing for you.

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