Money | The Independent


Friends before food

Too much month at the end of your money? You're more likely to cut back on food than your mobile or internet to make ends meet. But could it be a more sensible decision than it seems?

The world's wealthiest countries

'The Euro crisis has left its mark on the savings of private households, especially in Italy,' says economist Kathrin Brandmeir

7 ways to save £700 a year on food

As a nation we throw away far too much food. Not only is it wasteful and bad for the environment, it’s expensive too. Here are seven ways you can save food and money

Survival guide to overdrafts

In an ideal world an overdraft is something you’d only use for short-term borrowing. It’s a cushion for when your pay cheque is late or it’s an emergency pot of cash for when there’s a sudden expense that’s not been budgeted for. For everyone else – more than one in ten Brits 'live' in their overdraft – it's an expensive way to conduct their financial affairs. But whether you’re occasionally dipping into minus figures or you’re permanently in the red, having the right account can make a big difference. Here's what you need to know.

Plan ahead for loved ones

Wills, Trusts and Inheritance Tax from Lifetime Legal

Don't have a Will?

That means the government will decide what to do with your Estate. If you would rather decide yourself, it's quick and easy to arrange so why not start right now?

Planning properly now will save time and money later, could protect your home being taken from you to pay for care home fees and could save your beneficiaries thousands in inheritance tax (IHT) and probate fees.

To find out more or to discuss a particular issue, whether listed here or not, please contact us now. We have legal experts waiting to talk to you.

Wills from £69

A properly drafted Will can protect your loved ones, save you inheritance tax and protect your home from being seized to pay care home fees. Fully qualified Estate Planning Consultants and solicitors will make sure your Will meets your needs.

Lifetime Legal Ltd is a member of the Institute of Professional Willwriters and is compliant with the IPW Code of Practice.

With every Will, there is a year's free membership to MyLifetime, providing free updates to your Will and Legal advice on a whole range of subjects.

Trusts from £99

A Trust is a way of holding assets for the benefit of individuals, while distancing you from some of the liabilities of direct ownership. They can be used to protect your estate from inheritance tax and care home fees, as well as looking after assets for children that are too young to inherit.

Inheritance Tax (IHT)

Inheritance Tax is a tax on gifts made by individuals during their life, or on death. Last year alone HMRC took £4bn in taxes. Planning to avoid or reduce Inheritance Tax is a must and in some cases it can be eradicated entirely. Our experts can advise from simple one-off arrangements, to complex arrangements that involve substantial assets.

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