As the nights draw in, it’s the perfect time to take a step back and assess your finances before the end of the year creeps up on you. Taking some simple steps now will help you feel more in control of your money and better prepared for the months ahead.
Here’s five smart financial planning moves to consider this autumn:
- Tidy up subscriptions before winter bills rise
The colder months often come with higher utility bills and other recurring payments. Consider cancelling or downgrading what you’re not using – this money could be redirected to more important financial goals, such as building your emergency fund or contributing to your ISA.
- Get ahead on ISA contributions
Now is a great time to think about topping up your ISA. Early contributions give your money more time in the market, even small monthly amounts add up.
If you’re unsure how much you should be contributing, or what type of ISA suits you best, reaching out to your Financial Planning Manager can help you make the best decisions for your circumstances.
- Check you’re on track
Whether you’re saving for a big purchase, retirement, or simply looking to ensure your investments are performing well, it’s crucial to check in on your progress. Review your goals and risk level, if you haven’t spoken to us recently, book a review and we’ll make sure your investments still fit your plans.
- Plan for big seasonal spends
The winter months bring about significant spending. Set a realistic budget for your increased costs, so January starts on the front foot. A quick call with your Financial Planning Manager can help you make sure your finances balance short-term spending without sacrificing your longer-term goals!
- Talk money with family
Talking to your family about money may not be easy. But it’s essential. Whether it’s saving habits with grandchildren or long‑term plans with your family, now’s a good time to start the conversation.
If you’re unsure how to approach these conversations, your Financial Planning Manager can provide assistance. And don’t forget about our Friends & Family Referral Programme – you can help your loved ones achieve their financial goals too!
We’re here to help
If you’d like some help with your financial planning or chat through the investments you hold with Aegon Financial Planning, contact your Financial Planning Manager, call us on 0800 464 3079*, or request an appointment using the button below.
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