I finally decided to get my 財政／金融s in order in my 50s: I never looked at my 年金 or mortgage, here's how three 専門家s erased my panic
I’m neither terrible nor terribly good with money and have spent most of my adult life ticking along and getting by. The truth is, I’m not 特に 井戸／弁護士席-詩（を作る）d when it comes to 財政上の 事件／事情／状勢s. I can’t remember the last time I checked the 明言する／公表する of my 年金, for instance, or shopped around for a better 率 on my 貯金 account.
It turns out that I’m not alone, with 研究 by 基準 Life showing that almost a fifth (17 per cent) of over-55s have never looked at their ?年金, with women more likely never to check their 年金 than men (10 per cent).
But having tipped into my 50s, I thought it was time to get my 財政／金融s in order. So I sat 負かす／撃墜する with a 財政上の planner, a money coach and a 年金s specialist to hear their 最高の，を越す tips.
The 財政上の planner: Emma Sterland
長，指導者 財政上の Planning Director at Evelyn Partners, a wealth 管理／経営 company
‘It’s surprising, but many people over 50 ? not just women ? have no idea what 明言する／公表する their 財政／金融s are in,’ says Emma. ‘So, my first advice is to arm yourself with the basic （警察などへの）密告，告訴（状） on where you are. Start with any 貯金 you may have, credit card 負債 and what you 借りがある on a mortgage ? and 令状 it 負かす／撃墜する. It becomes more real.’
Women, she 追加するs, are often left out in the 冷淡な when it comes to 財政上の ?planning because they are usually the ones who have taken career breaks to look after children or 年輩の parents. This can mean that the 財政上の 力／強力にする has been given over to the man in the 関係.
In this シナリオ, making sure you are ‘at the （米）棚上げする／（英）提議する’ for ?財政上の planning is of the 最大の importance, says Emma, even if you are not やむを得ず 与える／捧げるing a lot to the family マリファナ. ‘It’s very important that you have a しっかり掴む on your 財政／金融s and have not over-委任する／代表d any 共同の 負債 to your partner,’ she says. ‘Have those important conversations 早期に on. Ask how is any 負債 going to be reasonably paid off by the time we want to retire?’ A 財政上の planner like Emma is 規制するd to give personalised 財政上の advice. It 誘発するd a deeper conversation with my husband about a small credit card 負債 and our mortgage.
I realised that I’d always had a vague notion that these ‘will be paid off someday’ but by having a conversation about timelines and 量s, and putting a 計画（する） in place, I erased the subliminal panic of 支払う／賃金ing off a 抱擁する sum, making me feel more in 支配（する）／統制する. 直面するing the credit card 負債, in particular, and discussing it, made me start 存在 more careful around spending, and incentivised me to 支払う／賃金 it off in chunks when I could spare the cash.
Emma could have helped me on everything from 退職 planning and 年金s to 税金 efficiency, 相続物件 税金 and 広い地所 planning (passing wealth on, gifting).
Pinpointing your 財政上の goals is another step that she recommends. ‘What do you want to 達成する with your money? What do you want to do after you stop working? It’s surprising how many people have not thought abou t the ?明確な／細部s,’ she says.
‘With many parents, for instance, their goals are often tied up with their ?children. They may want to support them through university; or 支払う／賃金 off their student 負債s. It is ?important to work out 正確に／まさに how this is affordable.’ A wealth 管理／経営 company such as Evelyn Partners, which has 29 offices across the UK for 接触する in person, by phone or on Zoom, might carry out some sort of 予測（する）ing to help with this, but, says Emma, a simple 道具 is to think visually about your money.
‘If you have a small 投資, or a 貯金 マリファナ, start thinking of it in real 条件: ‘That £10,000 will 支払う／賃金 off my child’s student 貸付金’ or ‘That マリファナ will cover three holidays after 退職.’
And 確実にする you don’t over-?commit. ‘Make sure you are ?financially stable before anything else. It’s like putting your own oxygen mask on first before ?helping others. You need to know that you will have enough to ?support your ?lifestyle before you 約束 to 支払う／賃金 off your child’s 負債, for example.’
客観的なs is a big word for Emma’s style. ‘People often say, “I want to travel when I retire.” But my 職業 is to ask “What does that look like”? Is it one trip a year, costing £10k, or three smaller trips, costing £2k each? Good 財政上の planning is 変えるing the dream into reality.’
Visualising my own 財政／金融s like this made the 未来 more ?有形の. I started to think how one day I’d like to travel and stay in places for longer than a week or ten days, ーするために 令状, and so I began to look into how much that would cost.
The next question, says Emma, is to look deeper into your 財政／金融s, 特に your 年金. ‘If you took out your 年金 with your first 職業 ? some 30 years ago, say ? and 港／避難所’t looked at it since, it may not be appropriate now,’ she says. She encourages everyo ne to check their 明言する／公表する 準備／条項 at gov.uk/check-明言する／公表する-年金.
It’s 現実に very 平易な to do and something I 設立する myself telling friends about later. A quick check shows you if you have all the years 要求するd to get a 十分な 明言する／公表する ?準備／条項 and if there are any gaps and it was 安心させるing to see it all in 黒人／ボイコット and white. Finally, Emma says that it is important to build a 関係 with a 財政上の 助言者 as 早期に as possible.
She 追加するs: ‘Find someone you are comfortable with and don’t leave it until something dreadful ?happens ? such as a death in the family. You won’t be in the best place to make any 決定／判定勝ち（する）s then.’
開会／開廷／会期: 解放する／自由な 初期の 会合, then written 提案 with 料金s
evelyn.com
The 財政上の Coach: Catherine Morgan
Author and 財政上の coach
以前 a 財政上の 助言者 for 20 years, Catherine ?Morgan is on a 使節団 to 減ずる 苦悩 and 増加する 財政上の empowerment for women, and 申し込む／申し出s 財政上の coaching online that 調査するs our emotional 関係 with money.
‘We look at someone’s natural 関係 with money, which is often based on the many 影響（力）s they’ve had in their life ? from their parents’ 見解（をとる）s to how their peers 扱う money,’ she says. ‘We then look at the practical steps to help them feel better about this 関係.’
財政上の coaches are not 規制するd, which means they cannot 申し込む／申し出 財政上の advice or tell you what to do with your money. Instead, they help you to 演説（する）／住所 your 関係 with money, ?供給するing advice on 予算ing or help you 始める，決める 財政上の goals. First up is a money 査定／評価 where your money ‘personality’ is 明らかにする／漏らすd. （弁護士の）依頼人s answer a 一連の questions online, such as how often do you spend money on ?others? Or if you won a マリファナ of money, how would you spend it?
It turns out that I’m 平等に an ‘architect’ (someone who likes to feel 安全な around money) and an ‘impulsive’ (who may often overspend and feel 有罪の about it).
存在 ‘an architect’ means that I am likely to have a strong work ethic and not the type of person to be attracted to ‘get rich quick’ 計画／陰謀s. The ‘impulsive’ believes that if you have money you should spend it. ‘Most women in their 50s have had co-扶養家族 関係s with money ? whether that is with their parents or partners,’ says Catherine.
The result is that women can feel insecure about their 財政上の ?position. One 必須の, says Catherine, is to make sure you have conversations about the 未来. ‘Discuss things such as your wills and how to 接近 money easily should something happen to one of you.
‘財政上の 安全 is not やむを得ず 関係のある to what’s in your bank account or who earns the most in a 共同. It’s often about how we feel. Women should always be able to 接近 a マリファナ of money should anything untoward happen. It will give peace of mind just knowing it is there.’
I 器具／実施する it at once. With each 支払い（額） from work, I start 追加するing small 量s to a 貯金 マリファナ, to keep for a ‘雨の day’, and discover that Catherine is 権利. The 半端物 £20 here and £50 there soon 追加するs up and it feels good to have a sum of money ‘just in 事例／患者’.
After taking the 査定／評価, ?（弁護士の）依頼人s receive a 報告（する）／憶測.
‘We give （弁護士の）依頼人s an emotional and practical 道具 道具 based on their highest results,’ says Catherine. ‘So, for example, if they are an “enabler” [someone who spends on others but not on themselves] we might 示唆する creating an “impulsive マリファナ” to give them the freedom to do something fun with it, which they wouldn’t do 普通は.’
‘So many emotions are wrapped around the conversation with money ? shame, 犯罪, 恐れる,’ says Catherine. ‘Shame is the hardest and is very ありふれた の中で women. We often don’t feel deserving to have money in the first place. I’m on a 使節団 to change that.’
開会／開廷／会期: Online, workshop and events-based, for example: 年金s Made Simple ? create 財政上の 安全 £49
- catherinemorgan.逮捕する
Pensio ns Guru: Laura Burrell
年金s 政策 経営者／支配人, MoneyHelper
As part of a 解放する／自由な service 始める，決める up by the 政府, MoneyHelper is an 独立した・無所属 and impartial organisation that 申し込む／申し出s 年金 指導／手引 ? but not advice ? online or over the phone. The phone lines are 乗組員を乗せた by people who have many years’ experience in the 年金s 産業.
Their 目的（とする） is to put 報知係s in a much more 知らせるd position so they can make those important 決定／判定勝ち（する）s themselves.
‘We ask people to do a little 準備 before the 任命 ? such as find out where the 年金 is and how much is in it. We are then able to give 指導／手引 about what someone needs to consider on 退職, or if they are thinking about cashing that 年金 in,’ says Laura Burrell, a 年金s 政策 and propositions 経営者／支配人.
‘A lot of the people （犯罪の）一味 up and say: ‘I get a 声明 every year and I just put it in a drawer and don’t read it. As they approach 55 onwards, they start to think, “I’m getting to the point where I want to finish working soon, and I have no idea what my 年金 is 価値（がある）.” There so much choice out there. What we’re trying to do is to make people aware of all of the different 選択s they have.’
Laura says that, on 普通の／平均（する）, women are reaching 退職 with about a third of the 貯金 that men have. There’s also a point in a woman’s career when she is more likely to take on caring 責任／義務s, or go part-time, which can lead to gaps in her working life when she could be 与える／捧げるing to a 年金.
‘On 最高の，を越す of that,’ she 追加するs, ‘we know that in 離婚 事例／患者s, women tend to be わずかに worse off when it comes to 年金s. It can be 複雑にするd, but a 年金 is part of the 資産s which can be 分裂（する）, but a lot of people don’t realise that. We 現実に offe r a 明確な／細部 年金s and 離婚 service, which 申し込む／申し出s 指導／手引 on this.’
Another factor for women is the menopause, where some women decide to stop working because they are struggling with symptoms, and they may feel like they want to take their ?年金 早期に.
‘We’d say, if you are in that ?position, to give us a call before making any 決定／判定勝ち（する）s. You can talk it through with somebody who is 完全に impartial and ?perhaps discover that there are other 選択s ? whether it is working from home for a while or maybe 減ずるing your hours.
‘Stopping work 早期に will have a big 衝撃, not only on your income now, but also on your income for the 残り／休憩（する） of your life.’
My 開会／開廷／会期 誘発するd me to take 在庫／株 of where I am with my own 年金, 特に checking to see if I had any gaps when I wasn’t working because of maternity leave. It did kickstart me into checking out where I was with my 年金 in real 条件 and what I would receive on a 月毎の basis.
As a 解放する／自由な service, I について言及する it to family and friends. 存在 forewarned is forearmed, and an hour’s 任命 might shed light on any 年金 関心s.
For broader advice, MoneyHelper also 申し込む／申し出s a Money Midlife MoT, for those 老年の 45-65, and the 年金 Wise service, 目的（とする）d at those over the age of 50.
開会／開廷／会期: FREE, ONE HOUR
- ?0800 011 3797; Moneyhelper.org.uk
