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October 2024 | Phonebox Magazine 9Advertising Featurewww.stefaniepricewealth.co.ukStefanie Price Wealth Planning is an Appointed Representative of and represents only St. James%u2019s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group%u2019s wealth management products and services, more details of which are set out on the Group%u2019s website www.sjp.co.uk/products. fi e title %u2018Partner Practice%u2019 is a marketing term used to describe St. James%u2019s Place representatives.Why Budgeting Is Like Tea - It%u2019s Befi er When It%u2019s Well-PlannedThe Great British tradition: making a good cuppa. Now, bear with me, because budgeting is a lot like brewing the perfect cup of tea. If you just throw everything in without a thought, you%u2019re bound to end up with a bit of a mess! But, if you take a moment to plan ahead - boil the kettle, warm the teapot, let the tea brew for the right time - you%u2019ve got something wonderful on your hands. It%u2019s the same with money!SJP APPROVED 18/09/24We%u2019ve all been there. It%u2019s the end of the month, the bank account is looking rather lean, and suddenly, there%u2019s that unexpected bill, or worse, Christmas shows up like a surprise guest you forgot to buy presents for. Planning ahead doesn%u2019t mean becoming some sort of fi nancial oracle, but it does mean you%u2019ll be less likely to dip into that emergency pot (or worse, the overdraft).The key to budgeting is making it as simple as possible. Fancy apps? - great if they work for you. Envelopes stuff ed with cash like it%u2019s 1995? - still can work a treat! The very most important point is to know where your money%u2019s going before it vanishes into the abyss of %u201cstuff I didn%u2019t need but bought anyway.%u201d Trust me, this really can be easier than you think. So what%u2019s holding us back%u2026%u2022 01234 241 441info.spwealth@sjpp.co.ukwww.stefaniepricewealth.co.ukPlanning for the Future: More Important than You Think?Keeping Up with the Joneses %u2013 Is It Worth It?Let%u2019s talk about the Joneses. They%u2019ve got a new car, their house is bigger, and their latest holiday photos look like something out of a travel brochure. Maybe you%u2019re tempted to join the race? But here%u2019s the truth - the Joneses are probably drowning in debt. And while you might be tempted to whip out the credit card to keep up, do you really want to pay for their Instagramworthy lifestyle with your own fi nancial stress and future burden?Be Your Own Jones%u2026Instead of trying to live like someone else, why not live like you? Figure out what matters to you and budget for it. Is it travel? A cosy home? A choice of education for your children? Or just having a worthy safety net that is your rainy-day fund? You should get to decide where your money goes. The Joneses might have their shiny things, but you%u2019ll have peace of mind - and that%u2019s worth far more than the latest gadget or a bigger TV.The Bottom Line %u2013 It%u2019s Defi nitely Easier than You Think!Budgeting doesn%u2019t have to be a chore. Think of it as making a good cup of tea. A little preparation and thought goes a long way, and once you%u2019ve got the hang of it, you%u2019ll wonder why you ever lived another way. And as for the Joneses? Let them worry about their own overdraft!So, pop the kettle on, sit down with a biscuit, and start planning. Your future self will thank you.Now, of course, if you find this all a little overwhelming and really don%u2019t know where to start, that%u2019s where we are here to help! Pop into us, not only are we quite good at budgeting and building a fi nancial plan %u2013 we also make a fabulous cup of tea!Laura & Stefanie are both here to help with breaking-down the obstacles that get in the way of you having a successful plan for your future.We would like to invite you to our complimentary BUDGET BRIEFING EVENT (following Labour%u2019s fi rst Autumn Budget)Friday 1st November 9.30am-11amThe Cherry TreePlease contact Kris on kris.richardson@sjpp.co.uk if you would like to reserve your place to attend.