Back to School, Back to Budget

Every September brings its own moments of reset: New school term, new routines, new things to plan for. Once the uniforms are sorted and lunches packed, there’s no better time to review your financial plan, taking stock of your own finances before the pace of autumn picks up and Christmas comes calling.

If you were signed off work tomorrow, Statutory Sick Pay would give you just £123.25 a week. That figure above is worth sitting with. For someone used to earning £2,500 a month, dropping to around £500 is a significant shock – and yet 76% of people in the UK have no income protection in place at all. It’s one of the most overlooked gaps in people’s financial planning, and one of the easiest to fix.

Everyone’s financial reset looks different. Perhaps it’s checking whether your savings are working as hard as they could be, or if your income protection cover still matches your family’s needs. Maybe you want us to see if your insurance premiums could be reduced, or work with us to ensure your pension will genuinely carry you through retirement. At KGJ we are perfectly placed to help you build a clearer picture across all areas of your financial planning, leaving you free to enjoy the final busy months of the year with a proper plan in place.

None of this needs to take long, but a short conversation with us can save a much bigger headache later down the line.

If it’s been a while since you last reviewed your financial plan, this is your reminder to put it back on the calendar.

You can quickly and easily book a free Financial Wellbeing Check on our website, to speak to one of our experienced advisors at the time and date that best suits you.