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Money prompts

Budgets, debt, ISAs, the spreadsheet you keep meaning to open.

• money Summarise the True Cost of a Subscription Pile-Up

  See what all your subscriptions add up to before you decide which ones to keep.

• money Decide Whether to Consolidate Your Pensions

  Work out whether to consolidate multiple pension pots or leave them separate.

• money Translate a Savings Account Rate into What Your Money Actually Earns

  Convert savings account rates into actual pounds earned before you move your money.

• money Reframe Your Relationship with a Financial Goal You Keep Missing

  Find out if the financial goal you keep missing is the right goal.

• money Explain the Difference Between a Budget and a Financial Plan

  Understand the difference between a budget and a financial plan and which you need.

• life Compare the Real Cost of Renting Versus Buying in Your Situation

  Compare renting and buying based on your actual numbers, not received wisdom.

• money Decide Whether to Pay Off Debt or Start Investing

  Work out whether to pay off debt or invest based on your actual numbers.

• money Summarise Your Financial Year Before You Talk to an Adviser

  Organise your financial year into a clear summary before meeting your adviser.

• money Explain What Dollar-Cost Averaging Is and Whether It Applies to You

  Understand what dollar-cost averaging actually is and whether it is relevant to you.

• money Explain What a Pension Actually Is and Why It Exists

  Understand what a pension is and why not having one costs you money.

• money Compare Two Ways of Paying Off Debt to Find the One That Works for You

  Compare the avalanche and snowball debt repayment methods for your specific debts.

• money Compare Two Investment Products Before You Put Any Money In

  Compare two investment products clearly before you commit any money.

• money Explain Compound Interest in a Way That Changes How You Save

  Understand compound interest in a way that actually changes how you save.

• money Critique a Financial Product You Are Being Offered

  Check a financial product you are being offered before you commit to it.

• money Explain the Difference Between Income Tax and National Insurance

  Understand the two deductions on your payslip and why they are different things.

• money Explain a Credit Report to Yourself

  Work out what your credit report is actually showing before you apply for anything.

• money Draft a Budget for a Life Change You Have Not Costed Yet

  Cost out a major life change before you discover what it actually costs.

• money Critique a Financial Plan Before You Commit to It

  Find the weaknesses in a financial plan before you rely on it.

• money Generate a Script for Asking for a Better Deal on a Bill

  Get a script for negotiating a lower bill before you pick up the phone.

• money Analyse Your Spending Patterns for One Month

  Find out where your money actually goes compared to where you think it does.

• money Evaluate a Job Offer Beyond the Salary Number

  Look at what the offer is actually worth before you decide whether to take it.

• money Build a Debt Repayment Plan That Works

  Turn your list of debts into a plan with a payoff date attached.

• money Audit Your Subscriptions and Cancel What You Do Not Use

  Find out which subscriptions you are paying for on autopilot.

• money Set Up a Simple Household Emergency Fund

  Build an emergency fund from the first fifty pounds to the first full month.

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