Whether you want to go on holiday or just want to save some money for the future, budgeting is a good way to put aside some money for reaching this goal. Here you can find some tips to help you take control of your finances.

Why is budgeting so important?

You might think it’s not worth spending that much time counting all your income and expenses. But if you use apps or spreadsheets to make it visible how much you earn and spend on average every month, it will pay off.

In case of the unexpected or just having a big expense, it’s importa...

Carly and Steve made serious sacrifices to save a deposit for their first home. To cut costs, they moved from their two-bedroomed flat in the centre of Manchester to a studio flat in one of the less well-regarded suburbs. When the damp and the noisy neighbours got too much, they moved in with Steve’s mum and when her questions about when they were going to start a family got too much, they moved in with Carly’s big sister.

As well as moving home three times in the space of a year, Carly and Steve gave up takeaways, holidays and their gym ...

Pension Planning For The Self-Employed

There are 4.8 million self-employed people in the UK and only a third have any kind of pension arrangement. A shocking statistic when you consider that State support is shrinking and we’re all living longer.

Of course, saving for a pension when you’re self-employed is not as straightforward as it is for an employed person, who might automatically benefit from a workplace scheme and employer contributions. We’ve outlined some key points below for you to consider:

Don’t rely on the State Pension

Whe...

Investments & Sustainability

Here is the 2022 edition of the Omnis guide to responsible investing, which sets out their approach to incorporating environmental, social and governance (ESG) factors into their processes.

Click to read Omnis ESG Guide 2022

Funding your child's university education

Sarah and Andrew’s 10-year-old twins, Isabelle and Isaac, couldn’t be more different. While Isabelle is boisterous and full of beans, Isaac is gentle and reserved. The children do have one thing in common though - they’re both extremely bright and they already know exactly what they want to do when they grow up. Isabelle loves animals and wants to be a vet, and Isaac is a very talented artist and has his heart set on art school.

When they found out they were getting two for one, Sarah and Andrew ...

How would you manage if an accident stopped you working?

Matt was delighted when he landed his dream job as a football coach. He got to do what he loved every day. Life was good until, one day, he fell down the stairs and everything changed. Matt seriously hurt his back in the fall and now struggles to stand for any length of time. As a result, he needs regular physio and hasn’t been able to work since the accident. Managing the pain and being unable to do the job he loves is hard enough but his situation is made worse by the fact he is now...

Mortgages - Sorting the fact from the fiction

Lindsay and Sam have just found out they’re expecting their first baby. Although they’re excited at the prospect of starting a family, it’s come as a bit of a surprise and their current living situation is far from ideal. They’ve been staying with Lindsay’s dad in his two-bedroomed terrace for just over a year while they save up a deposit for their first house. The lack of space and privacy has proved challenging to say the least. Adding a baby into the mix seems like a terrible idea.

On t...

How does OMPS work?

Our informative video explains the journey our clients take when deciding to invest in one of our OMPS portfolios. Learn more about the building blocks for the portfolios and funds which are managed by some of the world’s leading investment managers, who we’ve carefully selected.

Financial advice isn’t just for the super-rich with complex tax situations and offshore bank accounts. It can be invaluable for anyone with financial goals.

Whether you're saving for your future, buying your first home, remortgaging or want to protect your home and income – speaking to an expert can make all the difference.

Saving for your future

Robyn and Tim met in their late 20s and soon got married. They were keen to get on the property ladder so spoke to a financial adviser who helped them form a savings strategy.

They both opened...