Understanding and managing personal finances is a crucial step towards financial independence and long-term security. For women, taking control of their money isn’t just about budgeting, it’s about empowerment. A solid financial foundation provides greater freedom, security and the ability to navigate life’s uncertainties with confidence.

As the end of the tax year approaches, now is the perfect time to ensure you have your financial affairs in order and to double check you’ve taken advantage of all the tax-efficient allowances available to you. 

While our taxes go towards providing the important services we all rely on, such as the NHS and schools, no one needs to end up paying more than their fair share. This guide takes a look at the current tax allowances and exemptions that we are entitled to and how to maximise their use in meeting our individual financial goals.

As we move through life, events such as marriage, property purchase, starting a family, starting a business, retirement and inheritance impact our financial needs and plans. This guide focuses on investing, about why you should invest, your attitude to risk, diversification and strategy, and why it’s important to take a long-term view.

Throughout life, many things can have a significant impact on your financial needs and plans for the future, including receiving a sudden windfall. As your life journey progresses, you will need to adapt to an endless list of variables such as:

Increased consumer awareness of social and environmental issues has led to increased interest in sustainable and ethical investing, with funds entering the mainstream. Despite greater awareness, there is still some confusion about the terminology associated with this type of investing.