Services
Plain Savings
Our aim is to help individuals and businesses to achieve their financial goals. Our approach is straightforward. You tell us about your current situation and about your financial objectives and when you want to achieve them. We develop a practical plan designed to help you meet those objectives. We’ll discuss the plan with you and agree the course of action you want to take. Whilst the final decisions are of course yours, we’re here to help and guide you with jargon-free advice both now and in the future.
Your Trusted Partner in Financial Well-being
At Plain Savings, we believe that managing your finances is a crucial task that should never be overlooked.
Our Philosophy
At Plain Savings, we believe that managing your finances is a crucial task that should never be overlooked.
Importance of Financial Decisions
Mistakes in financial decisions can have significant consequences, whether it’s choosing the wrong pension plan, missing out on the best mortgage rates.
Commitment to Clarity
Since 1998, Plain Savings has been dedicated to providing straightforward, common-sense financial advice.
Our Motto
Our motto is simple: “We provide good common-sense advice, speaking plainly to you and presenting savings where we can.”
Personalised Recommendations
We are committed to recommending only what we would choose for ourselves.
Invitation to Connect
We invite you to talk to us and experience our approach to financial matters. Let us help you make the best financial decisions for a secure and prosperous future.
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Consumers Still Rely on Brokers Despite Rise of AI, Santander Research Shows
New findings from Santander show that mortgage brokers remain essential to the homebuying process, even as digital tools and AI become more common. According to Santander’s first Broker Perception Barometer: The research highlights that clients value both the financial and emotional support brokers provide.While saving money (29%) and saving time (26%) were top benefits, 82%…
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Why Income Protection Is Still Overlooked – And Why It Matters
New research from Shepherds Friendly shows that income protection (IP) remains one of the least-used forms of cover, even though most UK workers know it exists. Only 14% of full-time workers have IP, despite 70% being aware of it. Uptake is highest among 25–34-year-olds but drops sharply with age. The study found that the main…
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Government Borrowing Costs Rise After Income Tax Decision
UK government borrowing costs climbed after Chancellor Rachel Reeves ruled out a widely-reported plan to raise income tax rates by 2p in the upcoming Budget (BBC News, 2025). The yield on 10-year government bonds — a key measure of the government’s borrowing costs — initially jumped from 4.44% to 4.56% when markets reacted to concerns…
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Why Are Food Prices Still Rising in the UK? Understanding the Drivers of Persistent Inflation
Latest figures from the Office for National Statistics show that food and non‑alcoholic drink prices were 4.9 % higher in July 2025 than a year earlier. That may not sound dramatic, but over the past five years the price of a typical food basket has risen by about 37 % – far ahead of the roughly 5 % increase…
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Why Patience Pays in Investing
When it comes to investing, it’s important not to overreact, says Morningstar Wealth chief investment officer Mike Coop. Instead, Coop believes that you should stay focused on your goals, turn off your news feed and ignore market forecasts. If an investor changes course midway due to sudden events impacting the markets, it will just detract…
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Retirement Poverty, Scottish Widows Warns
Over 15 Million Brits Face Retirement Poverty, Scottish Widows Warns A recent report by Scottish Widows has highlighted a concerning issue: over 15 million people in the UK are at risk of facing poverty during retirement. This alarming statistic underscores the importance of proactive retirement planning and the need for systemic changes to support future…
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New IHT Rules on Pensions: Essential Insights for UK Financial Advisers
Significant Tax Change for Pensions from 2027 In a substantial shift in estate planning policy, the recent Autumn Budget announcement revealed that from April 2027, inheritance tax (IHT) will be applied to pension assets. Chancellor Rachel Reeves stated this change will impact approximately 8% of estates annually, altering how pensions can be used in financial…
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FCA Takes Action Against Illegal ‘Finfluencers’
The Financial Conduct Authority (FCA) has launched a crackdown on illegal financial influencers, or ‘finfluencers,’ as part of its efforts to protect consumers from unlawful promotions. As of today, the FCA is interviewing twenty finfluencers under caution, investigating whether they have promoted financial services products without proper authorisation. Additionally, 38 alerts have been issued against…
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What Could Be Announced in the Upcoming UK Budget?
The government has already ruled out increases in VAT, income tax, and National Insurance. However, following recent hints of “difficult decisions,” there is growing speculation that other tax changes could be introduced. Here’s a look at some areas that may be affected: Capital Gains Tax (CGT) Capital Gains Tax is charged on the profit made…
