Behaving differently at this time of year

As individuals, we usually have a bias towards ‘now’. But at this time of year that bias changes in an important way and is to do with our length of focus. Our natural bias is to focus on the ‘short term’. January as the ‘start of the year’ creates a macro environment that helps us […]

Guide: 12 of the best Christmas markets to enjoy in the UK and Europe in 2022

If you want some festive cheer, a Christmas market is perfect. From stalls filled with seasonal treats to entertainment like carol singers, they can really put you in the mood for the holidays. Whether you want to visit an event locally or combine it with a weekend away in Europe, there are hundreds of Christmas […]

Your autumn statement update and what it means for you

It has been a tumultuous year in British politics, with three prime ministers and four chancellors holding office. After the calamitous “mini-Budget” ushered in the demise of Liz Truss and Kwasi Kwarteng, new chancellor Jeremy Hunt has delivered his first autumn statement. Hunt’s speech came at a tricky time for the UK economy, with inflation […]

Should you overpay on your mortgage as interest rates rise?

A person discussing numbers on a calculator to two people on the other side of a desk.

In recent weeks, you’ve probably seen the news headlines that interest rates have increased sharply, raising the cost of mortgages for millions of borrowers. According to Moneyfacts, as of 26 October 2022, the average two-year fixed-rate deal stood at 6.50%. The average five-year fixed rate stood at 6.36%. It means that, in the space of […]