It’s easy to put off thinking about retirement. When life gets busy and bills accumulate, planning for the future can feel like something to do later. But your future depends on the decisions you make today. Every pound you save now can give you more freedom and comfort later. According...
Blogs
The Real Cost of Lifestyle Creep (And How to Beat It)
Have you noticed that your monthly spending has increased without your knowledge? A new smartphone, a few extra meals out, or another streaming service. These small upgrades seem minor. However, over time, they add up and hurt your finances. Interestingly, the latest report from the NimbleFins revealed that the average...
Poor Home Security Could Cost You £3,000, Higher Premiums and Your Peace of Mind
Ever thought about how secure your home really is? It's your personal space, your sanctuary, full of memories and all your stuff. But imagine someone just walking in and taking that sense of safety away. Sadly, not thinking about home security can hit you hard in more than one way....
The Science Behind Money Avoidance & Anxiety
We, at Circadian Capital, help you in managing your finances with practical advice and expert insights. Let’s look at how to address the mental hurdles related to money. Many people say money causes problems, but usually, it is not simply a lack of money that creates stress, it’s fear of...
Lifetime ISAs vs Workplace Pensions: A Comparison
Saving for the future is essential, but figuring out how to do it can be confusing. In the UK, two well-known options are Lifetime ISAs and workplace pensions. Both provide financial benefits and government support, but they work in different ways. Recent data from The Investment Association shows that around...
Why Emotional Spending Happens (and How to Stop It)
We have all felt overwhelmed or stressed and then made an impulsive purchase to feel better. It might be new shoes, a device we don’t need, or takeout for the third time this week. Have you ever thought about why we shop when our emotions are running high? Emotional spending...