Seed Financial Planning Ltd

24/03/2022

The Chancellor delivered his 2022 Spring Statement yesterday.

We have produced an overview of his statement which contains key points that will affect you personally, such as cost of living support, changes to Income Tax and a reduction in National Insurance.

We have also highlighted areas that will impact any business owners, including helping businesses with rising energy costs, recruitment and training.

It is a 5 minute read using the link below which will take you into our flipbook.

https://www.yumpu.com/en/document/read/66594619/14173-seed-financial-planning-sfs-2022-v1-hr

As always, if you have any questions then please reach out to us.

Speak soon!

Seed FP where your future grows 🌱

14/03/2022

Welcome to Step 3(b) in how you can improve your financial wellbeing.

Its about narrowing the gap between where you are now and where you want to be in the future.

Use a classic tool for understanding your spending and saving habits. Taking control of your financial wellbeing.

What is the tool? How do we find the truth about where we spend our money?

By carrying out a Budgeting exercise!

A Budgeting exercise gives you absolute clarity and awareness on what you are spending your hard earned money on.

And crucially it highlights where you are spending on the things that give you the most value versus where you are spending money that is adding no value...so back to that question, why is money important to you?

And I hope that you would agree that if you are spending money on the things that are most important to you...then this will give you a better sense of financial wellbeing.

And if you need any other further prompts or calls to action around budgeting…new budgeters are said to save £450 in the first two months and more than £4,500 in their first year of budgeting!

As always please reach out to us if you need any help with your financial plans.

Seed FP - Where your future grows 🌱

27/01/2022

Step 3(a) in how you can improve your financial wellbeing.

=> Assessing where you currently stand financially.

Put emotions to one side and deal with the facts.

Create your own Personal Balance Sheet.

Its as simple as two lists.

A list of your assets - everything that you
own.

And

A list of your liabilities - everything that you owe.

Add up your assets and take away your liabilities and what you are left with is...

'Your Personal Net Worth'.

If we do not know where we are at now - then how can we plan for the future?

As always please reach out us if you need any help with your financial plans.

Seed FP - where your future grows

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18/01/2022

Improving your Financial Wellbeing - Step 2: Setting Financial Goals
It is important that you are as specific as possible with your financial goals and ambitions.
There are three simple questions that can help...
What is the specific goal?
Be as detailed as you can here.
When do you want to have achieved the financial goal by?
How much will it cost?
Repeat this process for all of your goals and then look to prioritise them through the lens of your answer to the question from Step 1...Why is money important to me?
Rank them in order of importance and urgency...or short term (the next 12 months), medium term (2-5 years) and long term (5 years+).
Have some stretching goals in there too!
And review these on an annual basis because life happens and your goals, objectives and priorities will change.
See you for step 3 soon!
Seed FP - Where your future grows
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17/01/2022

5 Steps to Improve Your Financial Wellbeing - Step 1, Why is Money Important to you?
Drilling down on the why and understanding what you value the most about money is the foundation from which your financial plans can be built on and is the first step in improving your financial wellbeing.
If your 'why' is the most important thing to you...then it becomes your main financial objective.
All of your financial decisions must be made through the lens of meeting this financial objective.
Are you spending time and money on the the things that you value the most?
If the answer is a resounding YES...then great! Maintain that focus!
If the answer is no, then use this exercise to reset and rebalance on spending time and money on the things that will bring you the biggest sense of happiness and financial wellbeing.
Look out for Step 2 coming soon.
Seed FP - Where your future grows
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15/01/2022

Get on top of your financial plans in 2022.

A welcome to 2022...with a little insight into what our goals are for 2022.

And a heads up to the re-release of our '5 Steps in how you can improve your financial wellbeing' videos.

We plan to be much more active on social media this year...so please look our for some useful hints and tips on how you can meet your financial goals and ambitions with more clarity, control and confidence

All the best for now, catch you down the line...👍

07/08/2021

Delighted to be asked by Joy Persaud to contribute to her recent Aviva Edit article on whether sustainable investing means low returns?

This is an area of increasing concern for clients and investors as they seek to understand how their savings are being used to influence the decisions companies make to positively impact the environment and society.

It is a quick 4 minute read, please take a look and of course reach out if you have any questions.

Daryl

https://www.aviva.co.uk/aviva-edit/your-money-articles/sustainable-investing-returns/

The choice as to where to put your funds is widening, but myths still abound, with many believing that sustainable investing means lower returns.

25/06/2021

Welcome to Seed Financial Planning Ltd.

In this video you can find out..

* Who are Seed Financial Planning?

* What you can expect from Seed Financial Planning?

* And what our clients say?

If you need any help with your...

- Pensions

- Investments

- Life Insurance, Critical Illness or Income Protection

- Mortgages, New, Review of Existing or Equity Release

Then please reach out to us at...

E: advice@seedfp@co.uk

T: 0131 202 5533

Seed FP - where your future grows

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