3. Buy time – money and time are frequently interchangeable. Most of us wish we had more free time to do more of the things we love, yet research suggests that wealthier people tend to spend more time on stressful activities such as commuting & working. It makes sense, where possible, to structure your spending with this paradox in mind. move closer to the office or hire a cleaner!
4. Pay now, consume later – in our modern culture of instant gratification and credit card purchases, this principle goes against the grain, but paying in advance has two major advantages. Firstly, we derive significant enjoyment from the anticipation of a holiday, or whatever we are buying. Secondly, we separate the pain of paying from the appreciation of a purchase, leaving us free to relish it without thinking about the cost.
5. invest in others – the final pointer relates to spending on other people, including charitable donations. There is evidence that increasing our spending in this area (as long as we do not leave ourselves in need) will increase our own happiness by more than if we’d spent the extra money on ourselves. For maximum effect we should feel a connection with the cause or recipient and be able to see the impact of our generosity.
I appreciate that some of these insights are actually pretty
obvious, but do we put them into practice? When it comes to financial planning, perhaps we should all focus as much time and effort on efficient spending, as we do on efficient saving and investment.
Pilot Financial Planning is authorised and regulated by the FCA. This article is intended to provide helpful information of a general nature and does not constitute financial advice.
Towergate Private Clients Insurance – South West Towergate Private Clients Insurance – South West Towergate Private Clients Insurance – South West est uth West
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We specialise in providing home, motor and travel insurance solutions to affluent individuals and aim to provide you the highest possible piece of mind. We do this by offering a complimentary review of your existing policies and an overhaul of your needs at each renewal to ensure your policy remains the most suitable for you.
As well as the normal high levels of cover the benefits below are included as standard:
For more information or a quotation please contact Ashley Cozens on:
For more information or a quotation please contact Ashley Cozens on:
Towergate Private Clients Insurance – South West Direct Dial:
Email:
ashley.cozens@
towergate.co.uk Mobile: 07894 599954
Mobile: 07894 599954 01823 625542
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Email:
ashley.cozens@
towergate.co.uk *Terms and conditions apply and exact cover dependent on insurer selected
*Terms and conditions apply and exact cover dependent on insurer selected
For more information or a quotation please contact Ashley Cozens on: Direct Dial: 01823 625542 Mobile: 07894 599954 Email:
swprivateclients@towergate.co.uk
Towergate Insurance is a trading name of Towergate Underwriting Group Limited. Registered in England No. 4043759 Registered address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN Authorised and regulated by the Financial Conduct Authority.
As well as the normal high levels of cover the benefits below are included as standard:
Towergate Insurance is a trading name of Towergate Underwriting Group Limited. Registered in England No. 4043759 Registered address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN Authorised and regulated by the Financial Conduct Authority.
As well as the normal high levels of cover the benefits below are included as standard:
For more information or a quotation please contact Ashley Cozens on:
Direct Dial:
Golf clubs covered on an all risks worldwide basis* Hole in one cover*
For more information or a quotation please contact Ashley Cozens on:
Direct Dial:
For more information or a quotation please contact Ashley Cozens on:
cluded
Email:
ashley.cozens@
towergate.co.uk Direct Dial:*Terms and conditions apply and exact cover dependent on insurer selected Mobile: 07894 599954
Mobile: 07894 599954
Email:
ashley.cozens@
towergate.co.uk 01823 625542
Email:
ashley.cozens@
towergate.co.uk
Towergate Insurance is a trading name of Towergate Underwriting Group Limited. Registered in England No. 4043759 Registered address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN Authorised and regulated by the Financial Conduct Authority.
Towergate Insurance is a trading name of Towergate Underwriting Group Limited. Registered in England No. 4043759 Registered address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN Authorised and regulated by the Financial Conduct Authority.
*Terms and conditions apply and exact cover dependent on insurer selected
Towergate Insurance is a trading name of Towergate Underwriting Group Limited. Registered in England No. 4043759 Registered address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN
Mobile: 07894 599954 01823 625542
For more information or a quotation please contact Ashley Cozens on:
Mobile: 07894 599954
Liability cover should a ball injure another person* Liability cover should a ball injure another person*
01823 625542
Liability cover should a ball injure another person* Direct Dial:*Terms and conditions apply and exact cover dependent on insurer selected
Email:
ashley.cozens@
towergate.co.uk 01823 625542
Golf clubs covered on an all risks worldwide basis* Hole in one cover*
Golf clubs covered on an all risks worldwide basis* Hole in one cover*
We specialise in providing home, motor and travel insurance solutions to affluent individuals and aim to provide you the highest possible piece of mind. We do this by offering a complimentary review of your existing policies and an overhaul of your needs at each renewal to ensure your policy remains the most suitable for you.
We specialise in providing home, motor and travel insurance solutions to affluent individuals and aim to provide you the highest possible piece of mind. We do this by offering a complimentary review of your existing policies and an overhaul of your needs at each renewal to ensure your policy remains the most suitable for you.
01823 625542
As well as the normal high levels of cover the benefits below are included as standard:
Golf clubs covered on an all risks worldwide basis* Hole in one cover*
Liability cover should a ball injure another person*
Towergate Private Clients Insurance – South West Direct Dial:
We specialise in providing home, motor and travel insurance solutions to affluent individuals and aim to provide you the highest possible piece of mind. We do this by offering a complimentary review of your existing policies and an overhaul of your needs at each renewal to ensure your policy remains the most suitable for you.
We specialise in providing home, motor and travel insurance solutions to affluent individuals and aim to provide you the highest possible piece of mind. We do this by offering a complimentary review of your existing policies and an overhaul of your needs at each renewal to ensure your policy remains the most suitable for you.
Towergate Insurance, the largest independently owned insurance intermediary in Europe specialise in providing home, motor and travel insurance solutions to affluent individuals. We do this by offering a complimentary review of your existing arrangements and an assessment of your specific needs at each renewal to ensure your policy remains the most suitable for you.
Golf clubs covered on an all risks worldwide basis* Hole in one cover*
Liability cover should a ball injure another person*
Golf clubs covered on an all risks worldwide basis* Hole in one cover*
Liability cover should a ball injure another person*
As well as the normal high levels of cover the benefits below are included as standard:
We specialise in providing home, motor and travel insurance solutions to affluent individuals and aim to provide you the highest possible piece of mind. We do this by offering a complimentary review of your existing policies and an overhaul of your needs at each renewal to ensure your policy remains the most suitable for you.
As well as the normal high levels of cover the benefits below are included as standard:
Towergate Insurance Specialising In Private Clients Insurance – South West
Towergate Private Clients Insurance – South West Towergate Private Clients Insurance – South West
Towergate Private Clients Insurance – South West Towergate Private Clients Insurance – South West
Towergate Private Clients Insurance – South West Liability cover should a ball injure another person*
We specialise in providing home, motor and travel insurance solutions to affluent individuals and aim to provide you the highest possible piece of mind. We do this by offering a complimentary review of your existing policies and an overhaul of your needs at each renewal to ensure your policy remains the most suitable for you.
As well as the normal high levels of cover the benefits below are included as standard:
- Tracing and accessing leaks - Home emergency service - Personal identity theft
As well as the normal high levels of cover the benefits below are included as standard:
Golf clubs covered on an all risks worldwide basis* Hole in one cover* Direct Dial:
Motor Liability cover should a ball injure another person* - Choice of repairer
Liability cover should a ball injure another person* - Ski and winter sports cover
For more information or a quotation please contact Ashley Cozens on:
Golf clubs covered on an all risks worldwide basis* Hole in one cover*
Direct Dial:
For more information or a quotation please contact Ashley Cozens on:
Direct Dial: Direct Dial:
Mobile: 07894 599954 01823 625542
Mobile: 07894 599954
Email:
ashley.cozens@
towergate.co.uk Email:
ashley.cozens@
towergate.co.uk
*Terms and conditions apply and exact cover dependent on insurer selected *Terms and conditions apply and exact cover dependent on insurer selected
Email:
ashley.cozens@
towergate.co.uk *Terms and conditions apply and exact cover dependent on insurer selected
*Terms and conditions apply and exact cover dependent on insurer selected
Towergate Insurance is a trading name of Towergate Underwriting Group Limited. Registered in England No. 4043759 Registered address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN Authorised and regulated by the Financial Conduct Authority.
Towergate Insurance is a trading name of Towergate Underwriting Group Limited. Registered in England No. 4043759 Registered address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN Authorised and regulated by the Financial Conduct Authority.
Towergate Insurance is a trading name of Towergate Underwriting Group Limited. Registered in England No. 4043759 Registered address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN Authorised and regulated by the Financial Conduct Authority.
Email:
ashley.cozens@
towergate.co.uk Mobile: 07894 599954 01823 625542
Mobile: 07894 599954 01823 625542
Travel - Holiday disruption cover
Towergate Insurance is a trading name of Towergate Underwriting Group Limited. Registered in England No. 4043759 Registered address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN Authorised and regulated by the Financial Conduct Authority.
Liability cover should a ball injure another person* - Guaranteed courtesy car
For more information or a quotation please contact Ashley Cozens on:
01823 625542
For more information or a quotation please contact Ashley Cozens on:
Golf clubs covered on an all risks worldwide basis* Hole in one cover*
As well as the normal high levels of cover the benefits below are included as standard:
Golf clubs covered on an all risks worldwide basis* Hole in one cover*
We specialise in providing home, motor and travel insurance solutions to affluent individuals and aim to provide you the highest possible piece of mind. We do this by offering a complimentary review of your existing policies and an overhaul of your needs at each renewal to ensure your policy remains the most suitable for you.
Household - Worldwide all risks cover for contents and personal possessions
We specialise in providing home, motor and travel insurance solutions to affluent individuals and aim to provide you the highest possible piece of mind. We do this by offering a complimentary review of your existing policies and an overhaul of your needs at each renewal to ensure your policy remains the most suitable for you.
We specialise in providing home, motor and travel insurance solutions to affluent individuals and aim to provide you the highest possible piece of mind. We do this by offering a complimentary review of your existing policies and an overhaul of your needs at each renewal to ensure your policy remains the most suitable for you.
As well as the normal high levels of cover the benefits below are included as standard:
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