PROMOTION Revolutionise your resolutions with financial wellbeing What is Financial Wellbeing and how do we define it? live well in the future. Do you really want to wait until you reach your state pension age - whenever that will be - before you can retire? Set some goals and achievements Short term (less than 3 years) Medium (3 years to 10 years) Long term (10 years plus) fcourse, this will mean Immediate financial situation, you different things to each of us, such as confidence, relaxed, stress free, are ready to set some goals and achievements to work towards and are comfortable, in control, focused, security, knowledgeable, clear, aware, achievement, empowered, abundance, peace of mind, assurance. At this challenging time, we may find ourselves in testing financial positions due to a financial ripple caused by the global pandemic. Unless you have been working with Can we cut out that daily takeaway coffee, the full media package, the newest phone, a new car when the current one has only done 20,000 miles, convenience food, taxis or a gym membership we rarely use? All of the above hoovers up large amounts of our weekly and monthly Income. Try to keep at least six months of your normal monthly expenditure in an account as your rainy day fund. What would happen if you could not work, you had a critical illness or died? Who would be affected and what are on the journey to achieve a sense of financial wellbeing- What about financial advice? Many of us have had a poor experience at some point in our lives. However, the world has changed, with all regulated advisers qualified to understand the client and justify their advice to ensure it is relevant and appropriate to your needs. From assessing your expenditure, savings and investments, explaining pensions, assistance with goals setting. to providing a financial plan or roadmap for you. Reviews are essential for an update on your circumstances, policies and your overall plan to monitor if it is still relevant and on track. a financial adviser or have naturally followed a financial path of planning. saving and frugal spending, the chances are we are feeling a heightened sense of emotion and concern. Here are some fundamentals to consider - to help you survive and thrive given the opportunity to make changes to our financial life. Understand and examine your daily and monthly financial income and outgoings. Keep a fund of cash savings in a separate bank or deposit account for emergencies, What protection policies do you have if you cannot work or in extreme cases you were no longer here and leave behind dependants? Your home may be repossessed if you do not keep up repayments on the implications to you and them? What protection policies do you have in place? What would your employer do to help? your mortgage. The value of an investment with St. James's Place will be directly linked to the performance of the funds youu select and the vallue can therefore go What debt do you have? Mortgage, loans and credit cards. How much down as well as up. You may get back less than you invested. do you owe, what is the interest rate and the monthly cost? Securing a lower interest rate will allow you to repay the debt faster, rather than creating additional money to spend. Once you have the above information and have an awareness of your Get in touch to see how the team Save for the short term and invest for the medium to long term. Short term savings allow you to sleep well and longer-term investing can help you might be able to assist you and your new approach to money. www.chasebridgewm.co.uk 2A Brosnan House, Byng Drive, Potters Bar, Hertfordshire ENS 1UR 01707 643555 www.chasebridgewm.co.uk Chasebridge Chabndgah Management adan Apportad Rprosertvetandmproorts ory amesh Pace Wath Management D ahen aoed and gnd by he Firanc Conduct Amorti tor ne pupose of adng soly on the Groes wath naagemert products and sevo Mon s of wh ae set out on e Gro witte al s couucta Wealth Management PROMOTION Revolutionise your resolutions with financial wellbeing What is Financial Wellbeing and how do we define it? live well in the future. Do you really want to wait until you reach your state pension age - whenever that will be - before you can retire? Set some goals and achievements Short term (less than 3 years) Medium (3 years to 10 years) Long term (10 years plus) fcourse, this will mean Immediate financial situation, you different things to each of us, such as confidence, relaxed, stress free, are ready to set some goals and achievements to work towards and are comfortable, in control, focused, security, knowledgeable, clear, aware, achievement, empowered, abundance, peace of mind, assurance. At this challenging time, we may find ourselves in testing financial positions due to a financial ripple caused by the global pandemic. Unless you have been working with Can we cut out that daily takeaway coffee, the full media package, the newest phone, a new car when the current one has only done 20,000 miles, convenience food, taxis or a gym membership we rarely use? All of the above hoovers up large amounts of our weekly and monthly Income. Try to keep at least six months of your normal monthly expenditure in an account as your rainy day fund. What would happen if you could not work, you had a critical illness or died? Who would be affected and what are on the journey to achieve a sense of financial wellbeing- What about financial advice? Many of us have had a poor experience at some point in our lives. However, the world has changed, with all regulated advisers qualified to understand the client and justify their advice to ensure it is relevant and appropriate to your needs. From assessing your expenditure, savings and investments, explaining pensions, assistance with goals setting. to providing a financial plan or roadmap for you. Reviews are essential for an update on your circumstances, policies and your overall plan to monitor if it is still relevant and on track. a financial adviser or have naturally followed a financial path of planning. saving and frugal spending, the chances are we are feeling a heightened sense of emotion and concern. Here are some fundamentals to consider - to help you survive and thrive given the opportunity to make changes to our financial life. Understand and examine your daily and monthly financial income and outgoings. Keep a fund of cash savings in a separate bank or deposit account for emergencies, What protection policies do you have if you cannot work or in extreme cases you were no longer here and leave behind dependants? Your home may be repossessed if you do not keep up repayments on the implications to you and them? What protection policies do you have in place? What would your employer do to help? your mortgage. The value of an investment with St. James's Place will be directly linked to the performance of the funds youu select and the vallue can therefore go What debt do you have? Mortgage, loans and credit cards. How much down as well as up. You may get back less than you invested. do you owe, what is the interest rate and the monthly cost? Securing a lower interest rate will allow you to repay the debt faster, rather than creating additional money to spend. Once you have the above information and have an awareness of your Get in touch to see how the team Save for the short term and invest for the medium to long term. Short term savings allow you to sleep well and longer-term investing can help you might be able to assist you and your new approach to money. www.chasebridgewm.co.uk 2A Brosnan House, Byng Drive, Potters Bar, Hertfordshire ENS 1UR 01707 643555 www.chasebridgewm.co.uk Chasebridge Chabndgah Management adan Apportad Rprosertvetandmproorts ory amesh Pace Wath Management D ahen aoed and gnd by he Firanc Conduct Amorti tor ne pupose of adng soly on the Groes wath naagemert products and sevo Mon s of wh ae set out on e Gro witte al s couucta Wealth Management