It can be difficult to prioritise saving money given the various costs associated simply with surviving from one day to the next. With retirement little more than a dim and hazy dot on the horizon for many, setting aside money for a somewhat hypothetical future can, for some, seem like something to be tackled at a later date.

However, it’s a well-known fact that the sooner one starts saving and planning for their financial future, the better off they will be in the long run. By getting into the habit of saving, investing wisely and spending only on that which is necessary, it can be possible to accrue significant funds over a period of time.

A failure to act astutely can, of course, be financially calamitous.


A worrying trend

According to a recent study carried out by Aegon, nine out of 10 (92 per cent) people are falling behind on their retirement savings targets. A survey of more than 4,000 UK adults found that nearly every respondent was failing to set aside the money they will require for post-work life, while close to a quarter (22 per cent) admit they have absolutely no idea how much money they have in their pension pots.

These results are, quite obviously, worrying.


Take action today

There is always more you can do to enhance your financial situation. Whether it’s making investments, putting money into a better savings account or simply spending more carefully, it’s essential to get into the habit of making your money work that bit harder.

While it may seem that buying that extra latte or pair of shoes will make very little difference in the long-term, that’s an attitude that simply isn’t accurate. The average takeaway latte costs approximately £3, for example. If you currently purchase one latte every work day, you could easily save £15 each week by refraining from doing so. That’s around £780 a year, which is a significant sum of money.

If you want to find out more about investing and saving more efficiently, there’s no better time to start than now. Get in touch with one of our financial experts to see how to sort out your financial situation and make it more beneficial to you. It’s your money, so make the most of it.

We look forward to hearing from you.



Planning your finance for your retirement is one of the most important things you will do in life. Get it wrong, and once you stop working, you could find yourself seriously short of money, and you won’t be able to continue enjoying the lifestyle that you have become accustomed to.

The state pension only provides a basic amount of money, and even with the new workplace pensions coming into force, many people will still be left woefully short.


Cash savings are being devalued by inflation

Putting cash into an ordinary cash savings account is the option for many, especially women. The problem with these accounts though is the pitiful amount of interest that they pay. Some fixed term accounts can pay up to 2%, but most easy access accounts pay 1% or less.

Inflation here in the UK held steady in July at 2.6%. But as Brexit continues and imports become ever more expensive, partly due to the low value of the pound against foreign currencies, it is certain to rise considerably higher. What this means is that people’s savings are being devalued in real terms.

As a result, a larger number of people are looking towards making investments, because the interest they earn is considerably higher than ordinary cash savings accounts.

One of the favourite investments is in stocks and shares – ISAs, for example. But fixed asset investment is another option.


Fixed asset investment is appealing to more people

FAI (Fixed Asset Investment) means putting your money into things like property (commercial and residential), parking lots, airports, and even things like classic cars. However, fixed asset investment is something that usually only people who have knowledge of the investment scene adopt.

Like any investment, there is a certain element of risk, but having said that, the rewards in terms of the interest that fixed asset investments can earn is significantly higher than any other form of investment.

A growing number of people, who are willing to accept a certain amount of risk in return for the high-interest rates, are now turning to fixed asset investment, especially people of middle age who haven’t been putting enough money aside for their retirement. They are prepared to take a modest risk in the hope that the better interest will help to make up their retirement shortfall.


Mitigating risk

Most of the people who do decide to go down the fixed asset investment route are prudent and savvy enough to develop an exit strategy. They also use several different savings vehicles (ordinary cash savings accounts, stocks and shares ISAs, fixed asset investments, etc.) to mitigate risk.


The subject of mortgage litigation within the world of finance and investments is one that is one that is advisable to have a good grasp of. Primarily relating to homeowners, it is an area that anyone who invests in the property sector should know about. Here at Stable Rise, we have over 45 years experience in the industry, so we appreciate how a firm understanding of risk as well as reward is needed.


What is mortgage litigation?

In simple terms, any kind of legal dispute brought before a court is called litigation. Therefore, mortgage litigation is a legal dispute between the mortgage lender and borrower that they wish to settle via official court proceedings. Both parties are given the chance to present their cases and supporting evidence to the judge and a decision in favour of one will be reached following that.


When is mortgage litigation an option?

In essence, there can be a variety of reasons you may feel this is the best way forward. The majority of cases brought by borrowers centre on modifications to loan terms in the sense that the lender will not negotiate on any or has failed to act on modifications agreed. By entering into litigation, the borrower effectively forces the lender to look at their case for a loan modification and remove the option to ignore them.

Although not to be entered into lightly due to the costs involved, the chance to have any grievance heard by an impartial authority figure before the court and find a favourable outcome make it a serious option for many borrowers. It is crucial to appoint an experienced and respected mortgage litigation attorney to handle proceedings for you, though. When looking for a mortgage litigation attorney, it is wise to choose one with the same values we have of honesty, integrity and professionalism, to ensure you get the best service.

Like us, our customers are professional and respected individuals who appreciate that sometimes situations such as mortgage litigation occur. If you require any further information around financial matters or property investment as a whole, call us today so we can help.