The Simple Steps Personal Finance Podcast: UK Online Coaching | Blogging | Financial | Lifestyle
Latest Episodes
SSPF017 Mortgages: The Types
Summary - Mortgages - they get cheaper over time thanks to inflation - Remortgaging as time passes and your LTV falls - Two main types: 'Repayment' and 'interest-only' - 'Fixed' rate or 'variable' rate - Fixing over 2, 3, 5 or 10 years. Variables ...
SSPF016 Mortgages: The Basics
Summary - Mortgage - the definition and the necessity - How much can you borrow? Or how much will they lend you? - Loan-to-value, or LTV - The deposit -  One – the amount you borrow. Two – the interest rate they charge. Three – the monthly repaymen
SSPF015 Paying Off Debts: More!
Summary - The tips to clearing debt - Debt counselling if you can't make the monthly minimums - Citizens Advice, National Debtline & Stepchange & Christians Against Poverty - 0% Balance Transfer credit cards - Consolidation Loans - Money Transfer...
SSPF014 Practicalities Of Paying Off Debts
Summary - New Year is the time to clear off debts - and address the source of the problem - February must be a month where spending is less than earnings - Which debt do I pay off first? - The Interest Rate Method v The Debt Snowball - Being true to your
SSPF013 Protection: Income Protection and Critical Illness Cover
Summary - Once daily living needs are under control, the next financial hurdle is 'protection' - How to protect your income against long-term inability to work - Income Protection Insurance policy - How to protect your income against short-term accidents,
SSPF012 New Year Financial Resolutions
Summary - Losing weight or doing better with your money... The two resolutions! - My seven tips for the New Year - Happy New Year! Â Links sspf.co.uk/resources - FREE download template of the SSPF 'Spending Plan' (for regular and irregular incomes) ssp
SSPF011 Protection: Life Insurance
Summary - **XMAS OFFER reminder - 20% off until mid-Jan ** - Once daily living needs are under control, the next financial hurdle is 'protection' - How would you cope if a partner passed away? - What is life insurance and what is its purpose? - Ho...
SSPF010 How Far We’ve Come
Summary - **XMAS OFFER reminder - 20% off until mid-Jan ** - Tenth podcast - how far have we come? - Recap of tools given to organise finances - Tool 1: Having a strong enough reason - your 'Why' - Tool 2: The Seven 'Simple Steps' Framework - Tool 3: A-B-
SSPF009 Automating Finances Makes For Better Finances
Summary - **XMAS OFFER reminder - 20% off until mid-Jan ** - How to automate financial behaviour - Benefits of automation - Tools of automation - 'Direct Debits' and 'Standing Orders' - "You don't miss what you don't have" - Deduct before or as s...
SSPF008 Keeping Things Smooth Helps Us Sail Further
Summary - ** XMAS OFFER - 20% off 'Starter Pack' of Personal Finance Coaching sessions ** - Recap of working with a 'grey area' - a gap between earnings and spending - My own experience and peace-of-mind from having a slush fund - Practical approach to ma