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DAY 3 – Financial Planning Week 2012 A budget is an essential part of a financial plan. After all, the amount of money that we’ll earn in our lifetime is finite so it’s really important that we’re as efficient as possible with it. Before we look at the rules

DAY 2 – Financial Planning Week 2012 Budgeting. Amazing how many people don’t have a budget. I didn’t until last year. I’m going to try to impress on you the importance of a budget using a number of sketches from Carl Richards (author of The Behavior Gap http://www.behaviorgap.com

DAY 1 – Financial Planning Week 2012. What is money good for? The proverb says that “Money is the root of all evil”, but it’s a necessary evil. If you haven’t got very much of it you’ll probably want some more. If you’ve got lots of it you might have

No we didn’t win the prize for the largest and best marrow at the recent Malmesbury Garden Club Show, but then again we didn’t actually enter. However Proposito Financial Planning were involved with another local event –  the inaugural Minety Rugby Club Beer Festival.  We were delighted to

Financial Planning is something we all should be doing (regardless of our current financial position), if we are to make the most of our lives. It involves working out what is most important to you in life: your goals. By adding timescales and costs, you can work out how

When I’m not being a financial planner or a dad to my two children I’m a rugby coach.  I coach the village team where my two children attend school. Now you might think that rugby and financial planning have very little in common, but that’s not the case. Effective and

Many of you may have watched Downton Abbey and have seen the advert for income protection from a well known insurance provider who is the show’s sponsor.  It appears this week an ad war has now started with another provider placing an income protection advert during the break. The two

It seems that scandals are endemic in the UK’s financial system at the moment.  They’re no longer the preserve of the banks either. Earlier this week BBC’s Panorama programme exposed what financial planners have known for a while: Banks sell products Banks are massive sales organisations Banking “advisers” are rewarded with commission and bonuses

Every now and again something happens which acts as a timely reminder of why we do what we do. I received an unexpected phone call earlier this week from a client’s wife. Without any form of introduction her opening words were “Giles said if anything happens to me, just