Purchasing property with a view to using it for holiday letting purposes may be lucrative and a good investment.

However, the question of the holiday let mortgage sometimes causes a little confusion. Let’s clear that up with some key facts.

When you make plans for the future, you have a much better chance of achieving what you want, without the interference of the unexpected or unwelcome.

The most common New Years resolution for people is to try and spend less in the coming year, and budget themselves. We all know it’s easy to make them but sometimes a little hard to stick to. Winter doesn’t leave a lot of options for cheap social activities with the kids, and we all know that food shopping goes up in the colder months because we all want ‘Winter warmers’ for dinner. Before you know it, Christmas comes around and despite all of your best intentions, you haven’t actually saved or started your shopping early. So how are you for this years budget, and how will you ever know? Thankfully, there are plenty of budgeting tools that can help you manage and analyse your budget.