A new year brings the opportunity to take a fresh look at your finances, and to take some steps that will put yourself in a position to save money and grow your wealth.

This doesn’t need to mean making big changes. Just a few small, simple things can make a big difference in the long run.

In this article, we take a look at four things you can do to start 2023 on the right financial footing, so that you can head into the year with more confidence.

Investing for your children’s education is one of the great non-negotiables as it provides the foundation for a bright future. As always, however, there’s more than one way to skin this cat.

Should you opt for a tax-free savings account or an endowment fund? And do you need an education protector? Let us unpack the pros and cons of the various investment options to make your decision a little simpler.

Do you ever imagine how much easier your life would be if you won the lottery? Unfortunately, chances are that it won’t last.

Research from the US shows that 70% of lottery winners end up broke within just a few years. 

But why does this happen? How does a windfall like this just end up disappearing? There are many theories, and one of the most interesting is that lottery winners end up losing or spending all of their money because of the psychology of their “financial context”. 

Read on to find out what this is, and why it matters.