LEGAL AND FINANCIAL Toolstoget
Helping you take control of your finances so you can focus on your career.
MoneyFit
It’s never too early or too late to get your finances sorted and MoneyForce is agreat website offering a whole load of interactive planners and calculators to help you take control of your finances.
Budget planner Everyone will tell you that the only way to get on top of your finances is to know how much money you have coming in, how much is going out and what’s left over –tospend or save as you see fit. This Budget planner will do the hard work for you, all you need to do is find your pay statement and regular bills and go from there. Remember to review your budget when you get apay rise or your circumstances change.
GoalSaver We know it’s much easier to save when you have something in mind. So even if you’re not going on holiday,buying ahome or car,you should have some savings to hand for emergencies. Agood starting point is to have three months’ essential expenses in an instant-access savings account. So, once you’ve done your budget, you’ll know how much your ‘three months’ essential’ expenses are. And of course if you are saving for something special, the GoalSaver will show you how quickly you could reach your goal.
HomeFinder The HomeFinder tool will show you the possible cost of ahome in the area you want to live. After inputting some figures it will let you know how likely you are to get amortgage and what you can do about it if you haven’t quite managed it.
24 Spring 2016
Car costs calculator It’s not just the initial purchase, insurance and Road Taxyou have to think about. Youneed to consider the running and maintenance costs too. Better to know what’s coming, than to get ashock later,ascars depreciate very quickly and you’re never likely to sell it for more than you bought it.
Credit card calculator Most of us use credit or store cards, usually for big ticket items, like holidays, home improvements, or Christmas. Paying off the minimum amount each month means your debt is creeping up and if you continue spending on your card your debt could spiral out of control. This calculator shows you how much it’s costing you based on your current payments and lets you work out how much more you need to pay each month to pay it off quicker.
MoneyFit Challenge This latest tool is for the real adventurers amongst you. Test your financial fitness in five key areas, Debt, Savings, Budgeting, Planning and Protection. Don’t worry it won’t judge you –but it will give you apersonalised Action Plan to help you get MoneyFit.
To access the tools and also handy tips and guidance, go online to
www.moneyforce.org.uk
MoneyForce is –ajoint initiative between The Royal British Legion, Ministry of Defence and Standard Life Charitable Trust
www.raf-ff.org.uk
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