It’s never too early to plan for your financial future.

Get into the habit of saving.

Although saving rates at the moment are low, putting aside even a small amount on a regular basis can get you started with a robust
saving habit.

Find out about investing for your financial future.

Investing is the way that you can grow your money for the future. Once you have a better understanding of investing, you will feel more
comfortable growing your investments over time. It may be worth looking at stocks and shares Individual Savings Accounts (ISAs) and
investigating what’s out there.

You can save tax-free with an ISA, which is always a bonus. There are 4 types of ISA:

  • Cash ISAs
  • Stock and Shares ISAs
  • Innovative Finance ISAs
  • Lifetime ISAs

You can put money into one of each kind (If you fit the criteria) each tax year. With investing, it can be a good idea to speak with an adviser who can help you with a balanced portfolio and managing risk. Here are a few good money savings tips that can help you start to grow savings.

Reduce your expenses.

Find ways to reduce your expenses. Look at your bank and credit card statements and see where your money is going. Writing down your
ins and outs and setting a budget can highlight where there’s a waste. You may be paying a regular subscription for something you no
longer want. Looking at bank statements over the last year can be a real eye-opener. All these will help to grow your savings for your financial future.

Pay off any debt.

If you have any debt, then you should focus on paying that off first. Once your debt is paid off, you can feel more comfortable about investing.

Start paying into a pension or increase your contributions.

Many people will have been enrolled into a pension automatically, but you can always increase what you’re paying or start a pension if you haven’t already got one. Paying anything (or anything extra) can be better than doing nothing.

Buy a property if it suits you.

With mortgage rates being so low, a mortgage can work out less than a rental property. But often the deposit can be a stumbling block. You may want to consider whether it is the best time to buy, or if you’d be better off putting away the savings you’re making until you’ve got
a bigger deposit.

For more information on our ISA assessment service please click here or speak with our team today on 0161 413 7051.

Important information: Our website offers information about investing and saving, but not personal advice. If you’re not sure which services are right for you, please request advice from Hilltop’s independent financial advisers. Remember that investments can go up and down in value, so you could get back less than you put in.

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