Posts By: S4 Financial

Pension poverty after divorce

Ensuring an equal division of all the assets within the matrimonial pot

The breakdown of a marriage is often referred to one of the most traumatic and stressful events anyone can go through. Divorce can also be a costly experience, often including legal fees, a new home, a new car and new childcare costs. So, it’s perhaps predictable that so many need to rely on savings or credit cards for support during this time.

Wealth vs health

More than half ignore medical advice and work despite poor health due to financial worries

When you are off work due to an illness or injury, worries about how you are going to pay your bills can make an already stressful situation worse. So much so that many people are finding themselves in the very difficult position of having to put the need to earn money over their health by continuing to go to work, even when advised not to by a doctor.

Recession-proof your finances

10 practical steps to ensure your money is working hard for you

In these uncertain times, it’s more important than ever to make sure your finances are in order. The Bank of England believes that a painful squeeze on our living standards, driven primarily by soaring energy prices, is set to intensify and will push the UK economy into recession later this year.[1]

How to improve your financial health

General principles to help you attain specific goals

The cost of living crisis is putting immense pressure on many households across the country. In order to make ends meet, some people are cutting back on their spending and looking for ways to save money. One of the best ways to save money is to set goals.

Starting a family

What steps to take to prepare financially

Having a baby is one of the most exciting, life-changing events that you’ll ever experience. But along with the joy and happiness that comes with starting a family, there is also the reality of the added costs.

How much will you need to retire? 

Quarter of savers approaching retirement at risk of not having an ‘adequate pension’

One of the biggest mistakes you can make is not saving enough for your retirement. This can leave you struggling to make ends meet in your later years, and may even force you to rely on others for financial support. It’s never too early to start saving, and the sooner you start, the better off you’ll be.

What’s your magic number?

Keeping up your current lifestyle and enjoying your golden years

People planning for retirement should think hard about what they want to do when they eventually stop work. It is helpful to have a good idea of the lifestyle you want, how much it will cost and how you are going to pay for it.