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What will this year bring? If only we knew - wouldn't that make life more simple? Not at all! As chances are we'd run away and hide!

Looking to last year - I bet you got through stuff that you never imagined you would, and that life took some unexpected twists and turns - me too!

But you survived it - and as they say - whatever doesn't kill you makes you stronger!

My friend never imagined that her fit and healthy husband (in his 30s) would have a stroke whilst out jogging and end up in hospital.

But 2 months later, although he can now breathe unaided and has retained his mental capacity (and brilliant sense of humour) he is having to learn to eat solid food and walk again.

Unexpected. Scary. And amazingly stressful for her and the children.

It could be weeks / months until he can return home and continue living the life he loves with his family.

The only thing they don't need to worry about it paying their mortgage.

They received their critical illness payment on Christmas Eve - and so despite all the other stuff, I can be sure they won't struggle financially.

This is why I do what I do.

It may be an awkward conversation to have - but what do you want to happen if you have a stroke, heart-attack or get cancer?

Message me to chat about options that fit your budget >>
... See MoreSee Less

What will this year bring? If only we knew - wouldnt that make life more simple? Not at all! As chances are wed run away and hide!

Looking to last year - I bet you got through stuff that you never imagined you would, and that life took some unexpected twists and turns - me too!

But you survived it - and as they say - whatever doesnt kill you makes you stronger!

My friend never imagined that her fit and healthy husband (in his 30s) would have a stroke whilst out jogging and end up in hospital.

But 2 months later, although he can now breathe unaided and has retained his mental capacity (and brilliant sense of humour) he is having to learn to eat solid food and walk again.

Unexpected. Scary. And amazingly stressful for her and the children.

It could be weeks / months until he can return home and continue living the life he loves with his family.

The only thing they dont need to worry about it paying their mortgage.

They received their critical illness payment on Christmas Eve - and so despite all the other stuff, I can be sure they wont struggle financially.

This is why I do what I do.

It may be an awkward conversation to have - but what do you want to happen if you have a stroke, heart-attack or get cancer?

Message me to chat about options that fit your budget >>

There seems to be this myth that you can't get a mortgage if you're self-employed.

I 've heard it time and time again over the years, and I'd love to re-assure you that business owners can get access to exactly the same range of mortgages as employed applicants - subject to a few important points, and your application being correctly packaged.

1. You must be able to prove your income

This means if you're working cash-in-hand or not putting things through your books, the money does not exist as far as the lender is concerned, and they won't use it when working out how much they will lend you.

The days of self-certification of income are (thankfully) long gone - and a lender will want to see either your accounts, your SA302 (online tax return statement) or get an official reference from your accountant. You should let your accountant know that you are looking to buy a house, as their default working position is 'claim everything and reduce the tax bill' and in practice some costs and allowances can be deferred or not used so that your 'net profit' figure is higher - yes, you'll pay a bit more tax, but it will boost your borrowing capacity.

2. It’s all about the trend!

You normally need 2 or 3 years proof of income to get a mortgage, and to be showing a consistent income or increasing trend. You can do it on one year’s figures and an accountant’s projection with the right lender, but you’ll pay more per month for a special deal like this.

So, if you’re thinking about buying a home or re-mortgaging and you’ve recently set up a business, you need to make sure your figures look as good as they can, as soon as they can.

If you have an explainable dip in your takings, it’s not necessarily a problem, if you approach the right lender.

3. Present your case in the best light

A good financial adviser will be able to look at your accounts and SA302 and work out which makes your case more attractive to a lender. Unless you’re using 5th April as your year end, the figures will be different on paper.

Some lenders will let you use your share of the net profit ( and they don’t mind whether you actually withdrew it as income or left it in the company account for next year) – others will let you use your actual salary plus dividends. Others will let you use salary plus your share of net profit. Choosing the correct lender can be the difference between you getting the loan amount you need, or missing out on your dream home.

I’ve been arranging mortgages for business owners for more than 12 years, so if you have any questions – fire away!!
... See MoreSee Less

There seems to be this myth that you cant get a mortgage if youre self-employed.

I ve heard it time and time again over the years, and Id love to re-assure you that business owners can get access to exactly the same range of mortgages as employed applicants - subject to a few important points, and your application being correctly packaged.

1. You must be able to prove your income

This means if youre working cash-in-hand or not putting things through your books, the money does not exist as far as the lender is concerned, and they wont use it when working out how much they will lend you.

The days of self-certification of income are (thankfully) long gone - and a lender will want to see either your accounts, your SA302 (online tax return statement) or get an official reference from your accountant. You should let your accountant know that you are looking to buy a house, as their default working position is claim everything and reduce the tax bill and in practice some costs and allowances can be deferred or not used so that your net profit figure is higher - yes, youll pay a bit more tax, but it will boost your borrowing capacity.

2. It’s all about the trend!

You normally need 2 or 3 years proof of income to get a mortgage,  and to be showing a consistent income or increasing trend. You can do it on one year’s figures and an accountant’s projection with the right lender, but you’ll pay more per month for a special deal like this.

So, if you’re thinking about buying a home or re-mortgaging and you’ve recently set up a business, you need to make sure your figures look as good as they can, as soon as they can.

If you have an explainable dip in your takings, it’s not necessarily a problem, if you approach the right lender.

3. Present your case in the best light

A good financial adviser will be able to look at your accounts and SA302 and work out which makes your case more attractive to a lender. Unless you’re using 5th April as your year end, the figures will be different on paper.

Some lenders will let you use your share of the net profit ( and they don’t mind whether you actually withdrew it as income or left it in the company account for next year) – others will let you use your actual salary plus dividends. Others will let you use salary plus your share of net profit. Choosing the correct lender can be the difference between you getting the loan amount you need, or missing out on your dream home.

I’ve been arranging mortgages for business owners for more than 12 years, so if you have any questions – fire away!!

2 weeks ago

Claire at Blueprint

Do you want your ex-husband to get your pension if you die? How about your parents? No?...

If you set a pension up when you first started work, you would have filled out a nomination form to say who was to benefit when you die. If you've not looked at it in years, it may not reflect your current wishes.

With modern pension freedoms, there are more choices as to who gets your money - it no longer has to be a spouse.

Some old company schemes can ONLY go to a spouse or civil partner, and if you're single or divorced - your pot dies with you! 😨😨

With the new schemes, you can leave it to a person (or charity) of your choice - even in the form of a pension - so that it is tax efficient - and they can't blow it all on junk in their youth! 😀

Who gets your pension when you die? Time to check❓❓❓
... See MoreSee Less

Do you want your ex-husband to get your pension if you die? How about your parents? No?...

If you set a pension up when you first started work, you would have filled out a nomination form to say who was to benefit when you die. If youve not looked at it in years, it may not reflect your current wishes.

With modern pension freedoms, there are more choices as to who gets your money - it no longer has to be a spouse.

Some old company schemes can ONLY go to a spouse or civil partner, and if youre single or divorced - your pot dies with you! 😨😨

With the new schemes, you can leave it to a person (or charity) of your choice - even in the form of a pension - so that it is tax efficient - and they cant blow it all on junk in their youth! 😀

Who gets your pension when you die? Time to check❓❓❓

3 weeks ago

Claire at Blueprint

I was largely brought up by my mum, as a single parent and as a child there was never a lot of excess money floating around.

I knew not for ask for stuff when we went out for the day, as the answer of 'maybe' always meant 'no'.

My mum worked full-time, shopped sensibly in ASDA and we didn't splash out on new clothes or gadgets - these were normally given as birthday presents.

We did go on holiday each year, but my mum spent months paying it off the credit card, before then putting the christmas presents on the card and doing the same with that.

I knew my dad paid money each month, and that if I wanted money for a school trip etc I'd need to ask him.

But that was the sum of my financial knowledge.

We didn't talk about money ( or a lot of the other important stuff either, but that's for another email) and I had no idea until I went off to university how much things cost - or how much money she really got in from my dad.

And it meant I had no money skills whatsoever and when I left university and got my first job, I had a maxed out credit card, a student loan and an empty bank account.

It's what led me one week to go shopping for food with just a £2.50 sainsbury's voucher to my name.

And until the story was covered last year in a national newspaper my family knew nothing about it.

Because I didn't ask for help, and there was no online support in those days.

I didn't want anyone to know I'd messed up - after all I was the grammar school girl, with a good degree who was on track for a flying career!

I decided I'd never be in that position again.

I read loads of (library) books and created a system that worked for me to ensure I knew how much I had and when my bills were due. And over time I managed to save, repay my debt (including the student loan) and buy my first home.

I now have the home I dreamed of, and financial peace of mind of understanding how my money works and how it can help me bless the world around me.

It took me years to get to where I am now - and I want to help you get there quicker - by getting your financial basics sorted - so that you can build the life that you deserve.

At the time I was so embarrassed and didn't want anyone to know I'd run out of money - but as I now look back, without any money skills, I'm not surprised I ended up where I did.

It's why I created my workshop series - and the discounted tickets have already started to sell fast - one of the workshops only has a single reduced price seat left!!

You see - my latest workshop series is on a pay what you choose basis - but there are only limited discounted slots - and once they're gone the price goes up!!

Places are Limited - as we're on ZOOM, and I need to be able to answer all of your questions!!

WORKSHOP 1: Keeping Afloat in a Financial Crisis (Thurs 21st May - 3pm )

WORKSHOP 2: Back to basics - Getting your Foundations Right (Wed 27th May 12pm)

WORKSHOP 3: Death & Taxes - Dealing with Life's Certainties (Thurs 4th June - 3pm )

WORKSHOP 4: What's it worth? - Dealing with impulse buying and Overspending (Wed 10th June 10am )

All you need to know HERE - including BOOKING links >> docs.google.com/document/d/1dMnzAGj1Q5kSdwp53gL5Wkv1ckMdYuE0UCEnlvS4stQ/edit?usp=sharing

Jump in NOW - and choose the price you want to pay!!

And the sooner you act - the less it will cost you (literally) - prices go up as more people book on!
... See MoreSee Less

I was largely brought up by my mum, as a single parent and as a child there was never a lot of excess money floating around.

I knew not for ask for stuff when we went out for the day, as the answer of maybe always meant no.

My mum worked full-time, shopped sensibly in ASDA and we didnt splash out on new clothes or gadgets - these were normally given as birthday presents.

We did go on holiday each year, but my mum spent  months paying it off the credit card, before then putting the christmas presents on the card and doing the same with that.

I knew my dad paid money each month, and that if I wanted money for a school trip etc Id need to ask him.

But that was the sum of my financial knowledge.

We didnt talk about money ( or a lot of the other important stuff either, but thats for another email) and I had no idea until I went off to university how much things cost - or how much money she really got in from my dad.

And it meant I had no money skills whatsoever and when I left university and got my first job, I had a maxed out credit card, a student loan and an empty bank account.

Its what led me one week to go shopping for food with just a £2.50 sainsburys voucher to my name.

And until the story was covered last year in a national newspaper my family knew nothing about it.

Because I didnt ask for help, and there was no online support in those days.

I didnt want anyone to know Id messed up - after all I was the grammar school girl, with a good degree who was on track for a flying career!

I decided Id never be in that position again.

I read loads of (library) books and created a system that worked for me to ensure I  knew how much I had and when my bills were due. And over time I managed to save, repay my debt (including the student loan) and buy my first home.

I now have the home I dreamed of, and financial peace of mind of understanding how my money works and how it can help me bless the world around me.

It  took me years to get to where I am now - and I want to help you get there quicker - by getting your financial basics sorted - so that you can build the life that you deserve.

At the time I was so embarrassed and didnt want anyone to know Id run out of money - but as I now look back, without any money skills, Im not surprised I ended up where I did.

Its why I created my workshop series - and the discounted tickets have already started to sell fast - one of the workshops only has a single reduced price seat left!!

You see - my latest workshop series is on a pay what you choose basis - but there are only limited discounted slots - and once theyre gone the price goes up!!

Places are Limited - as were on ZOOM, and I need to be able to answer all of your questions!!

WORKSHOP 1: Keeping Afloat in a Financial Crisis (Thurs 21st May - 3pm )

WORKSHOP 2: Back to basics - Getting your Foundations Right (Wed 27th May 12pm)

WORKSHOP 3: Death & Taxes - Dealing with Lifes Certainties (Thurs 4th June - 3pm )

WORKSHOP 4: Whats it worth? - Dealing with impulse buying and Overspending (Wed 10th June 10am )

All you need to know HERE - including BOOKING links >> https://docs.google.com/document/d/1dMnzAGj1Q5kSdwp53gL5Wkv1ckMdYuE0UCEnlvS4stQ/edit?usp=sharing

Jump in NOW - and choose the price you want to pay!!

And the sooner you act - the less it will cost you (literally) - prices go up as more people book on!

3 weeks ago

Claire at Blueprint

What will this year bring? If only we knew - wouldn't that make life more simple? Not at all! As chances are we'd run away and hide!

Looking to last year - I bet you got through stuff that you never imagined you would, and that life took some unexpected twists and turns - me too!

But you survived it - and as they say - whatever doesn't kill you makes you stronger!

My friend never imagined that her fit and healthy husband (in his 30s) would have a stroke whilst out jogging and end up in hospital.

But 2 months later, although he can now breathe unaided and has retained his mental capacity (and brilliant sense of humour) he is having to learn to eat solid food and walk again.

Unexpected. Scary. And amazingly stressful for her and the children.

It could be weeks / months until he can return home and continue living the life he loves with his family.

The only thing they don't need to worry about it paying their mortgage.

They received their critical illness payment on Christmas Eve - and so despite all the other stuff, I can be sure they won't struggle financially.

This is why I do what I do.

It may be an awkward conversation to have - but what do you want to happen if you have a stroke, heart-attack or get cancer?

Message me to chat about options that fit your budget >>
... See MoreSee Less

What will this year bring? If only we knew - wouldnt that make life more simple? Not at all! As chances are wed run away and hide!

Looking to last year - I bet you got through stuff that you never imagined you would, and that life took some unexpected twists and turns - me too!

But you survived it - and as they say - whatever doesnt kill you makes you stronger!

My friend never imagined that her fit and healthy husband (in his 30s) would have a stroke whilst out jogging and end up in hospital.

But 2 months later, although he can now breathe unaided and has retained his mental capacity (and brilliant sense of humour) he is having to learn to eat solid food and walk again.

Unexpected. Scary. And amazingly stressful for her and the children.

It could be weeks / months until he can return home and continue living the life he loves with his family.

The only thing they dont need to worry about it paying their mortgage.

They received their critical illness payment on Christmas Eve - and so despite all the other stuff, I can be sure they wont struggle financially.

This is why I do what I do.

It may be an awkward conversation to have - but what do you want to happen if you have a stroke, heart-attack or get cancer?

Message me to chat about options that fit your budget >>
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