Neligan Financial

18/10/2024

What role does money play in your life? Are you accruing it just to get more or is it helping you achieve your priorities?

05/07/2024

Thank you Fiona French Images for the fantastic new profile photos, I'm delighted with them.

If you are looking for someone who can take wonderful family photos or ones for your business that captures the right tone and image look no further than Fiona.

09/02/2023

The global stock markets are the most efficient way to get your money working harder without you having to.

Like the albatross wandering the oceans of the world using just the energy of the wind, by investing your money around the world it can use the 'energy' of the global stock markets to grow overtime without you using your own energy.

08/02/2023

Every Saturday I send a newsletter aimed at helping recipients make smart decisions with their money.

If you would like to receive it too visit my website and scroll to the bottom of the page where you will see a sign up form: https://neliganfinancial.co.uk/

Here’s an example: https://preview.mailerlite.io/preview/42335/emails/78372891316454895

If your work-life balance is out of kilter it may be down to your attachment style. That is, your requirements from a relationship.

07/02/2023

Money is one of the main reasons why relationships fall apart. But it doesn't have to be.

According to a 2018 poll by law firm Slater and Gordon:
- 21% of people blamed money worries on their partner.
- 43% accuse their partner of overspending.
- 16% had argued about money in the last week, 23% in the past fortnight.

Our behaviours around money are linked to our beliefs about it. We form these beliefs through our experiences during childhood.

What seems rational to us might be completely irrational to our partners because their childhood experiences, and therefore beliefs have led to different behaviours.

By understanding where your and your partner's beliefs have stemmed from can lead to more positive conversations and avoid relationships falling apart.

If you find yourself fighting with your partner about money get in touch to see how a coaching conversation could improve things for you.

06/02/2023

Why is your money important to you?

Money is a highly emotive subjective, we attach hopes, fears and beliefs to it. These are some of the reasons why money is important to them.

02/02/2023

A major benefit of a pension is tax relief but to a lot of people that’s just meaningless jargon. Don’t miss the chance to get money from the HMRC, they take enough from us after all.

01/02/2023

If you have got to the point in your life where you are looking ahead to retirement but don’t know if you will have enough money you may find my guide ‘10 Actions to Take in your 50s to Ensure Financial Security. Forever.’ helpful.

Download it here: http://ow.ly/T32r50Mwab7

31/01/2023

We all have beliefs about money. We might even tell ourselves that they are positive but often there is a downside to them too.

Take for example someone who likes to give money away. On the face of it that’s a good thing but there may be an underlying belief that they aren’t deserving of it. If they feel undeserving of money they may also not be paid what they deserve.

Or are you, like me, a person who prefers to plan for the future. Focussing too much on future financial freedom can mean missing out on experiences now which can lead to a feeling of regret later on.

There is no ‘best’ belief, it’s all about balance. But then, isn’t everything?

If you recognise yourself in any of these beliefs and would like to discuss it please do contact me.

30/01/2023

When you know where you want to get to in your career or life staying the course is easier than when you are directionless.

We can’t avoid the headwinds, the setbacks and disappointments but they are easier to bare when there is a reason to what we are doing.

Our money is a tool to support us on that journey. It can act as a foundation to give us the freedom to change tack. It can give us breathing space when unfortunate events transpire. It can be working alongside us ready for when we call it a day.

Extract taken from The Daily Stoic by Ryan Holiday

27/01/2023

January can be such a depressing month; the weather is wet and cold, Christmas feels long gone but summer still way off.

At times like this I fantasize about jumping on a plane somewhere warm. Probably back to South Africa or maybe the Maldives.

What about you, where would you go right now?

26/01/2023

If you have a pension or Share ISA your money is probably in an investment fund. It may be that you have not knowingly selected one but it will be invested in a fund nonetheless.

Being in an appropriate investment fund is important because it determines how much growth and investment risk you are exposed to.

Too much risk too near to retirement and it may reduce the pot available to you without sufficient time for it to recover.

Too little risk while you are still working and contributing means you are missing out on potentially higher returns and therefore will potentially have a smaller pot to live off in retirement.