Citizen’s Advice issued a statement in February, saying that some employers are tricking their employees out of sick pay. The most common tactics they see are: The cancelling of shifts after an employee has called in sick, so that it looks as if they weren’t meant to be working and therefore no wages appear to have been lost Reducing hours or wages so that … Continue reading Know your rights to sick pay
In tough times our social capital is every bit as important as our financial resources. But it’s a mistake to think of them as separate. There are lots of old and new ways of connecting with others that also boost your bottom line.
Continue reading “Let’s work together”
It might be easier than you think to broaden your horizons. Whether you want to gain a specific vocational qualification or try something just to prove you can, there is a world of free and funded opportunities. For example, did you know that top universities offer courses online for free? Or that there are countries where the colleges and universities don’t charge tuition fees? … Continue reading How to bankroll your next move
Make it easy on yourself
Getting the wording right for official letters about tricky situations is difficult at the best of times. At the worst of times it doesn’t bear thinking of. If only you had a personal assistant. Well we’ve found the next best thing. Continue reading “Make it easy on yourself”
At the worst possible time and incredibly unreasonably, you are forced to become an amateur accountant. This is ridiculous but it is happening. Also, it’s going to last for a while. Let’s use it as an opportunity to sort out the basics and prepare for the future. In our First Aid kit we’re packing essential sources of information, important documents, plans for funds and … Continue reading A personal finances First Aid kit
For small, simple estates, don’t assume you have to pay professionals to do everything for you. There is a lot of information now online. The best basic, all-rounders are still the official What to do after a death, guides. As systems are different from place to place, you’ll find Northern Ireland’s one on NIDirect, Scotland’s one on the Scottish Government’s website and the one … Continue reading Estate How-Tos
Done sensibly, complaining helps you tone up your self-esteem while you help companies manage their reputations. Why you should complain more Good companies, like good people, welcome the chance to correct mistakes or make amends You send a powerful message to yourself that says ‘I can do this’. If you are wronged and say nothing, you are telling yourself that you can’t … Continue reading How to complain
Bereavement can make us create dramatic changes in our lives. A drop in household income can make some changes essential. I asked one of the UK’s leading career coaches, Corinne Mills of Personal Career Management, how best to handle big career moves at a time like this.
Continue reading “Insights from a career coach”
Whether you’re locked into a battle with teens over getting rid of a second car, or just really don’t feel up to taking up cycling right now, read on…
Continue reading “Cutting car costs”
Issue 11 is only four weeks away, which means we’re nose deep in reading and fact checking. The air is crackling with new ideas and these three are ones I’ve used this week and found they really work.
Continue reading “Three ideas to put into practice”
Stories of families being unable to afford funerals have hit the headlines. The campaign for Fair Funerals has won awards and the support of a national newspaper. But what are the politicians doing?
Continue reading “Politicians talk funeral poverty”
For problems with debt, housing, refunds, insurance companies or pensions, somewhere there is a letter template to help you find the right words. The website of the Money Advice Service has a series of letter templates that you can download. These include death notification letters to banks, building societies, mortgage providers and pension providers https://www.moneyadviceservice.org.uk/en/articles/letter-templates There are a surprising amount of letter templates … Continue reading Templates to help with writing all those official letters