From investment advice to savvy banking, here are 10 top tips for getting the most out of your money

This article was originally published on this site

From big businesses to young professionals, we’re all looking for ways to cut our expenditure and get more out of our money – particularly in the current climate.  

In this advertising feature, Checklist has compiled 10 companies who can help you get the most out of your money, protect your business and advise you when you need a helping hand…

This is paid content. Readers are advised to do their own research and take professional advice if suitable before acting on any information. 

This year, get more NET pay (and more pension later!) 

Husky

As we’re now in our third lockdown, many of us will be concerned about money – both now and for the future, and will no doubt be taking a closer look at our workplace pensions.

Employees get income tax relief on their qualifying savings into a pension, but will still end up paying national insurance (NI).

But there is a way for employers to give their employees more in monthly net pay this new year, as well as offering greater savings for their pension pots. The answer is salary exchange schemes (or salary sacrifice), such as those offered by Husky.

Husky can help employers give their staff more in their net pay each month via salary exchange without any costs to the businesses. They manage this at the business and employee end – looking after everything from paperwork to compliance – so no one needs to worry about any admin. It’s all done for them.

If you’re looking for a better workplace pension, or own a business and want to reward your employees with money now and for their future, Husky could be the answer.

The Info: Click here to find out more. 

Get clued up on tax

Specialist Taxation Services (Europe) Ltd 

Since September 2017, the Corporate Criminal Offence legislation, otherwise known as CCO, has been in effect in the UK and overseas, holding corporations of all sizes liable if they fail to prevent employees or associates of their company from facilitating tax evasion.

For those found guilty of the offence, the fines are uncapped, and business names are likely to be published – something which can permanently damage a company’s reputation as well as everyone associated with it.

To avoid this happening to your business, make sure you, your employees and your associates are completely clued up on the latest tax laws with Specialist Taxation Services (Europe) Limited’s tailored online training platform.

This leading tax compliance firm is experienced in dealing with CCO, and can offer specialist training for senior management and other relevant employees, teaching them about the rules, providing a defence and giving them the tools to conduct best practice in all affairs. 

The Info: Click here to find out more, or call 01704 891676 for more information.

Buy a car without the faff

cinch 

The idea of buying a car always sounds more exciting than it actually is. Booking appointments, finding the perfect model, and then negotiating the right deal – and let’s not get started on the admin that comes with it. 

But now there’s cinch, an easier way to upgrade your car without the faff. With cinch, you can choose from over 4,000 fully vetted used cars online – all of which are less than 7 years old with fewer than 70,000 miles on the clock – and every vehicle has a fixed price so you don’t need to haggle.   

Customers can choose from a number of different payment and financing options online, and there’s easy, guaranteed part-exchange too, so cinch will take away your old vehicle when they deliver your new one.   

To top it all off, there’s a 14-day, no-quibble returns policy, so if you decide that your new car’s not the one, you can return it. Simple. 

The Info: Click here to find out more. 

Financial support when you need it most 

FulAdvice

During these difficult times, it’s reassuring to know that you’ll have money to fall back on should you become ill or get injured. It’s also a good time to consider a life insurance policy so that your family will be looked after if anything happens to you.

Income protection insurance, such as that offered by FulAdvice, pays you a regular income in the event you’re unable to work, so you can ensure your bills are covered and concentrate on getting better.

As for life insurance, FulAdvice’s fully qualified advisors can discuss your circumstances and come up with a tailor-made plan to suit you and your loved ones. 

You may wish for your family to be mortgage-free when you pass or arrange for all your funeral expenses to be covered, so your partner has less to worry about. Whatever it is, FulAdvice can find the perfect plan for you by partnering with the UK’s top insurance companies, so you’ll get the right cover for the best price.  

The Info: Click here to find out more.

Give your family peace of mind 

Golden Charter 

When loved ones pass away, it takes its toll on peoples’ mental health, and having the stress of organising a funeral is often the last thing they need. It can also be a costly affair, adding more pressure to a difficult situation.

So, take a weight off your family’s shoulders by signing up for a funeral plan with Golden Charter. Their friendly team can work with you to get the funeral you want at today’s prices – vital for those looking to save money, as funeral costs have risen by 55% in less than 10 years*. 

Their set plans are also currently frozen at 2018 prices, so there’s never been a better time to set up your funeral arrangements.

Golden Charter are one of the UK’s largest funeral plan providers** and over 700,000 people have already trusted them with their funeral arrangements‡. They work with nearly 3,000 independent funeral directors across the country, giving you greater choice for planning the funeral you want, and making the whole process easier for you and your family.

The Info: Click here to find out more, or call 0800 090 2251 and quote CHECKLIST21

*SunLife Cost of Dying Report 2020 

**Based on recent market share of funeral plans sold. For details please see Funeral Planning Authoritystatistics 2018 at funeralplanningauthority.co.uk/statistics and Golden Charter Annual Review 2018/19 at goldencharter.co.uk

‡722,434 customers at 29 August 2019  

Probate: Let the experts help

The Probate Practice 

If you have lost someone who has left you money in their will, you will know just how complex and aggravating it can be jumping through hoops to get all of the paperwork and tax sorted.

But during this stressful and emotional time, you shouldn’t have to deal with this alone. The Probate Practice are a firm of Chartered Acountants who can assist you with obtaining probate while offering you professional advice.

They are authorised by the Institute of Chartered Accountants to carry out non-contentious probate work and are experts in the preparation of Inheritance Tax Returns, applying for probate, administering estates and preparing estate accounts, and everything else involved. 

Now, you can get all the help you need in one place and make this difficult process that little bit easier for you and your loved ones. 

The Info: Click here to find out more. 

This article is paid content. Readers are advised to do their own research and take professional advice if suitable before acting on any information. 

The new age of banking 

Starling Bank 

Lockdown has forced many of us to do more of our banking digitally, saving us time and making it easier than ever to manage our finances wherever, whenever.

But Starling Bank have gone one step further. Award-winning Starling Bank is entirely digital and has no bricks and mortar stores – the ideal app for those who live their lives through their phones.

With the Starling banking app, you’ll get instant notifications about your ingoings and outgoings, as well as up-to-date insight on your spending habits, so you can constantly improve and save more.

What’s more, you can set yourself goals using the app to help you save for a rainy day, and you can manage any IOUs from your mobile with just a few single taps; you can even generate a link to share with friends and family on those occasions you’re splitting a bill.

There are accounts available for personal, business and sole trader use with no monthly fees, and your money is covered up to £85,000 by the Financial Services Compensation Scheme.

The Info: Click here to find out more.   

Save on your energy bills 

Utility Bidder 

After a difficult year for big and small businesses across the country, many will be looking to cut costs wherever they can when things finally return to normal.

One such way you can do this is by reassessing your utility expenses via Utility Bidder. Over the past decade, Utility Bidder have worked with over 68,000 UK businesses and could save your business up to 45% on your energy bills.

Utility Bidder, which have a rating of 4.8* on Trust Pilot, compares business rates for gas, electricity and water for all types of businesses via 27 different energy suppliers. They also offers free bill validation and account management, so you can be confident that you’re always getting the best deal without having to pay through the nose for it.

Compare business prices today and get your quote in a matter of minutes. 

The Info: Click here to compare business energy prices today.

Invest with confidence

AFH Wealth Management 

We all want more from our money, and many are looking towards professional investment management to help them grow their wealth and reach their financial goals.

The experts at AFH Wealth Management can help you achieve these aspirations. 

Their qualified independent financial advisers have a wealth of experience in personalised financial planning and will work with you to create a suitable investment strategy.

Whether it’s growing your wealth, retirement and pension planning or inheritance tax planning, they can discuss a range of investment management solutions with you so you can get the best from your assets.

AFH work across the UK and have the right adviser for you. Arrange an appointment with an adviser today for tailored, professional investment advice.

The Info: Click here to find out more or call 03301738870 to book your free initial consultation with an adviser.  

Take the stress out of legal proceedings

8118 Law 

Legal matters are never easy. Whether it’s family, civil, or criminal proceedings, the slow, complex processes involved can have a knock-on effect on those around you as well as your own wellbeing.

It’s important, therefore, to make the process as stress-free and seamless as possible so that you can ensure you get the outcome you desire and that you and your loved ones can take the weight off your mind.

Enter 8118 Law. Established by a barrister, 8118 Law provides down-to-earth, straightforward legal advice for people from all backgrounds – whether your case involves money, children, property, or crime, 8118 Law can help.

Unlike with many barristers, 8118 Law clients can receive an end-to-end service, cutting-out the expense of a solicitor – be it civil or commercial law, domestic violence, a children matter, divorce or any other legal issue.

Get in touch for your free telephone consultation and to learn more about the services offered. 

The Info: Click here to find out more or call 0345 257 1981 today. 

This is paid content. Readers are advised to do their own research and take professional advice if suitable before acting on any information.