The kids are back to school or off to university and there’s that feeling in the air of making a fresh start – new term, back to work after the summer break.

What better time to take a fresh look at your finances – particularly with Christmas under a hundred days away!

This is something I regularly do with my clients but it’s a good thing to do for anyone, and who knows, it might save you some money.

I always advise getting out your insurance policies and checking what cover they offer and whether they are still right for your needs.

In life you might have new responsibilities, might have become self-employed, for example, and need something more than life insurance – maybe some cover to protect you if you were ill and couldn’t work.

Have you got more gadgets in the house than you had when you first took out your home and contents insurance all those years ago? Your policy might not be providing adequate cover.

Most importantly, could you be getting the same or better insurance cheaper than your current policy offers? Even if you can’t change it now, at least you’ll know to shop around when it is due.

And on mortgages, are you still on the best deal you could be?

Far too many people are still on their lender’s standard variable rate – around 1.8m mortgages apparently. This is a waste of money when there are some great fixed-rate deals around at the moment. They are also a great way of protecting your interest rate during these times of Brexit-led uncertainty and with rates starting to creep up again.

You might have been thinking about doing some home improvements – is now the right time to borrow some money, whilst interest rates are still low?

There are a million different reasons why you should take a look at your finances and now is as good a time as any.

I’m always happy to help people take a fresh look at their financial situation and provide my advice free of charge. Call me for a no obligation discussion on 07767 692653.