
Emergency funds – why they matter now more than ever!
Coronavirus has already had a far-reaching economic impact with many expats having contracts terminated sooner than expected. However, even if you are in a stable role, an emergency fund is always vital to financial security. An emergency fund is a stash of money set aside as a financial safety net. It is also one of …

Top ways to secure your financial future
Perhaps you’ve just started life as an expat or have been living and working abroad for years. Regardless of where you are on your journey we are confident the tips below will help you take a few extra steps towards securing your financial future. Expenses review Before deciding how much you can save and direct …

6 Benefits of Financial Independence
How often do you receive promotional offers encouraging you to spend? The compulsion to buy is, quite literally, always at your fingertips. This temptation, however, can be damaging to your ability to achieve financial independence. It’s all well and good to enjoy yourself now but what about creating the opportunity to enjoy more things for …

5 advantages of international banking for expats
An offshore bank offering international banking is a bank located in any country other than the account holder’s home country. An account held in an offshore bank is therefore often described as an offshore bank account. While international banking and offshore bank accounts are often negatively perceived as a way to avoid paying tax (which …

Banking options for expats in Switzerland
If you’ve recently moved to Switzerland, you’ll probably want to open a Swiss bank account. Initially, the Swiss banking system can feel confusing and overwhelming. However, there are also commonalities with day-to-day global banking practices. We will help you navigate your way through a banking system that is historically synonymous with protecting customer identity, assets …

Six apps to help you develop great saving habits
Helping people budget effectively and make the best use of their money they have has been the bread and butter of the financial industries world. To support advisers in their mission there is now a raft of technology-based solutions to help people budget. These range from simple spending trackers to full-blown financial applications linking accounts, …

Top broken resolutions and what to do about them
About this time every year, millions of people start thinking about what they’d like to do to change something about their lives, from kicking habits, beginning new habits (preferably good ones) to doing more or doing less. Unfortunately, the mindset needed to resolve to do something, and that required to actually do it are entirely …

Got million dollar money habits?
What is it that rich people do that makes them wealthy? Popular thinking would appear to indicate that they have a different mentality. But is that pure genetics, or is it possible to learn some of the behaviours and processes that make the rich, rich?! In Tom Cory’s collection of books such as Rich Habits, and …

Pocket Money – How much is enough?
‘Pocket Money’ or ‘Allowance’ is a valuable resource for children to learn about the value of money. It is a useful tool for parents to encourage children to develop confidence in consciously and actively managing money. But how much is enough? For many parents, deciding how much pocket money is appropriate is anything but an …

Are you spending it like you stole it?
Turn on the TV; you can’t avoid the adverts. Open a newspaper or a magazine, and you’re hit full in the face by expansive, full-colour montages selling you the dream – showing precisely what you need to buy to make you desirable, to make you exceptional; to make you and your life perfect. Watch YouTube? …