According to the insurer LV=, the UK worker will change jobs every five years on average. Assuming you have a new pension for every job, the average 50-year-old will have accumulated six pensions.

So, if you are a business owner, what can you do to limit the impact that inflation and rising interest rates may have on your enterprise?

The first step in preparing a budget is to identify those boosters. In order to do that you need to run a SWOT analysis to identify the most promising activities or the acutest threats to mitigate. These will be the backbones of your next year’s budget.

MTD or Making Tax Digital is already in place for VAT registered businesses and has been for some time now. So, what is MTD ITSA? This is Making Tax Digital for Income Tax Self-Assessment and is being rolled out from April 2024.

ISAs, or Individual Savings Accounts, have been a feature of the personal finance world since 1999, yet I still get asked if they are ‘worth it’?