Think and live smarter in the UK with CheeringupInfo

More intelligent living and working in the UK with Cheeringup.Info

Discover life changing ways to improve your life in the UK. Pick up lifestyle improvement hacks hints and tips. Think smarter to live better in the UK.

Smart lifestyle improvement solutions to improve your life and business in the UK

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Live a more enjoyable health prosperous life in the UK.

We share CheeringupInfo to live a smarter life in the UK

We help you live happier. Change the way you think to shape your life better. Build a smarter tomorrow. Live and work smarter.

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Making the age of retirement in UK work well 4 you

Retirement Age UK with Cheeringup.Info

Do you think retirement is to be feared or enjoyed to the full before you die or worse become ill! Life is for living. No one can tell you how to live in your retirement. If you do not know then who will?

You can work as long as you want to. Nobody is forcing you to retire so if you retire make sure you make the most of it. If you do work in a job that does have a compulsory retirement age that does not mean you have to retire. You can change jobs if you need to work. Alternatively there are lots of ways to volunteer and continue in unpaid work.

If the thought of retirement fills you with dread maybe you should consider asking your employer if you can work more flexibly or part time to ease you into retirement.

However retirement in the UK should be embraced as an opportunity to live the life you want. If you want to sit outside a cafe and watch the world pass by then you should. If you want to travel the world then your should. What you should not do is waste your retirement.

Plan for the best retirement in the UK

Clearly identify how you want to live in retirement in the UK. Write your retirement plan down so you can return to it again and again to tweak and improve it.

If you are lucky you will live around a third of your life in retirement. That is a lot of life to live without structure. Many people need some kind of structure to their life to feel mentally and physically well.

When you retire action your retirement plan

You do not know how long you will have your health and wealth! Retirement is not the time for procrastination! Having put a lot of thought into planning the best retirement for yourself it would be a shame to live a retirement life that is substandard to your best.

Retirement Lifestyle Planning and Living Tips

Everything you need to know to retire well in the UK. CheeringupInfo provides retirement inspiration ideas and tips to live better in retirement in the UK. Subscribe to CheeringupInfo for free alerts bulletins and review sent to your email inbox.

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How to travel on a budget with CheeringupInfo

How to travel the world on a budget with Cheeringup.Info

Make your holiday travel budget go further. Discover travel tips and ideas to save money on holiday. See more of the world for less.

Researching your holiday plans first is a better way to save money. Fitting your dream holiday together like a jigsaw will open up ways to save money and time.

By going on holiday at a slightly different time of day or month or year you can reap huge holiday savings not immediately obvious when you print in your holiday departure dates into holiday search engines.

How you live on holiday is obviously going to affect your holiday travel budget. You can sometimes fit in must see holiday attractions for less if you plan your holiday diligently.

Paying for trips or holiday attractions before you set off on holiday can be cheaper. If you arrive at an international attraction you you could be held prisoner in terms of price to pay.

Internationally recognised holiday travel attractions are often overpopulated. Many are so overcrowded it spoils the holiday experience. Picking a different less popular time to arrive at the holiday attraction may not just save you money but improve your holiday memories of the holiday attraction.

Another benefit of planning your holiday in terms of holiday budget size is that you can travel longer and save money to see even more. Many holiday accommodation costs can fall disproportionately if you travelled for a couple of months instead of one month for example. Planning your holiday may mean you can reorganise time off work to see much more for a lower daily cost over two months instead of one month. Turn a holiday into a life time experience and tick lots more off your life bucket list.

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Make your travel dreams a reality. Be inspired. Travel more on a budget. Great tips on reducing holiday travel costs. Enjoy the finer things on holiday without breaking the bank!

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Growing happiness in your life in the UK with CheeringupInfo

How to be happier with Cheeringup.Info

What is the purpose of your life? Only a small proportion of people in the UK can build a life of meaning. When most of us are gone it will be as if you were not here. That does not mean you cannot create a happy life in the UK.

Growing happiness in the way you live and work in the UK is achievable. This is the true purpose of life? Living well when we are here is the most important aim for us all?

Most people in the UK have a list of problems they can reel off if you asked them. That does not mean you are not happy. It means that you are happy despite life problems.

Your perception of how your life is going is the most important thing in your life. If you believe you are lucky living well or well off then you are likely to be a happy person regardless of what bad things there are in your life.

Growing your happiness in the UK is achievable despite your life problems whatever they are. Create daily habits and thought process that supports living happier in the UK.

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Do not look to others to define whether you are living a good life or not. Decide for yourself and then look for what could make you happier. Most importantly be grateful for what you do have right now before seeking improvements in your life. Accept and be grateful for what you have whilst acknowledging you can improve your life a little or alot.

Are you satisfied with your life in the UK?

Make your life in UK feel better than ever. Living in modern Britain is not easy for many people. Build your confidence in your life now and opportunities to grow your happiness in future. Take control of your wellbeing as no one else will. Grow your own happiness a little more each day or at least take one step closer to greater happiness each day no matter how small a step.

You do not need to live a worthwhile life to be happier in UK. Most people in the UK live a life that will not have been missed when you are gone. However the key to living well is to live happier life which is different from worthwhile life. We cannot all be Mother Theresa!

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Giving more or helping others is actually a key element of being happier in the UK. This does not mean you have to beat yourself up because you feel unworthy. Focusing on fulfilling your own needs first will enable you to help others more in future. For now nurture your own wellbeing. You will then feel more positive about your life.

Boost your mood and feel happier with tips UK lifestyle tips on CheeringupInfo

Our network of life coaches and lifestyle gurus have looked at life problems and found solutions so you may not have to. Save time and money with CheeringupInfo lifestyle improvement tips.

Email editor@Cheeringup.Info or use your social media account to contact us.

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Strategies for building wealth to build more wealth

How to build wealth in UK with CheeringupInfo

How much wealth do you need to build to lead the life you want now or in future? Focus on your life goals to build wealth in UK more easily. Make better life decisions and become more financially independent.

Think differently about managing your life to create more personal wealth. Read lifestyle management articles on how to improve your life in UK. Learn about different options to increase wealth in the UK.

To become wealthy you need to earn more than you spend! If you love spending and are happy to be in debt then that is your choice. You will never be wealthy though! It is a hard fact that control over your money is key to becoming wealthy. Some people say you do not need money to feel well off. This is true but it helps to have money to be happy in the UK!

Building wealth starts with a clear written wealth management plan. At the outset be clear on what you want in your lifestyle how much you will need to live that lifestyle and what you will do or not do to achieve that lifestyle.

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Once your wealth management plan is written create the daily and monthly habits you will need to build personal wealth. This can be automated like setting up standing order or direct debits but it also includes personal habits to make sure you are not wasting money and are seeking out new ways to save money.

Save money when buying stuff and finds ways to increase your income

We help people and businesses save money. Reduce your costs and outgoings to improve your standard of living in the UK. In addition maximise your income. Most people in the UK are thinking about changing jobs in the UK.

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Start a business in 2020. Do you have a business idea? Get help to make your business a success in 2020 and beyond. Venture into entrepreneurship.

Money saving tips and income generating ideas

To build wealth in the UK it is critical to first understand where you are now before you build wealth in future. Identify where your money goes every month and where you can cut back to make savings and grow your wealth faster.

Debt saps your financial strength. Paying off interest on debt before you can do anything with your income is demoralising.

Not all debt is bad. A mortgage is not fun but it can save you money on rent is not wasting money on rent and may build wealth if house prices rise which over decades they always have. Mortgages can also often be paid off quicker with overpayments and also save thousands in interest but you should pay off higher interest debt first like credit cards and personal loans. Paying off higher interest debt may allow you to rapidly improve your overall financial position on its own.

Make sure you are paid what you are worth.Many employers value your skills and experience. In the UK there is a skills shortage with record low unemployment. Without the supply of new people to the job market UK employers are having to pay more to attract new recruits. Get paid what you are worth and you can build your personal wealth faster.

Invest in your future. There are many investment vehicles. Historically stocks and shares have provided the best investment return despite suffering massive falls during periods like 2008 financial crisis and the technology dot.com bubble bursting around the year 2000. However investigate the investment vehicle you feel most comfortable then consider investment diversification. Spread your investment money over different investments to protect your overall wealth when markets fluctuate up and down.

Be careful to spend your money wisely! Unwisely spent money might feel good! If that works for you then good luck to you. If you want to build wealth then you can still enjoy spending money but do it wisely.

The power of compounding your money to build wealth faster

To exponentially increase your wealth you need to use the power of compound interest. Reinvesting your investment earnings in the investments you have means you make money on the interest you earned on your investments previously. 5 percent upon the 5 percent plus initial investment you earned last year and repeat repeat repeat more quickly builds wealth than spending the interest you earned on your investments. Even small amounts reinvested over decades can make you a very wealthy person.

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Planning for retirement tips UK

Retirement planning advice with Cheeringup.Info

Can you live in retirement in the UK on just your UK state pension?

To qualify for a UK State Pension currently £8546.20 a year you will need to have paid National Insurance contributions for at least 35 years. If you do not work for 35 years or more throughout your career you may be able to claim National Insurance credits for periods where you care for children or elderly relatives. You can also top up your contributions.

You can take a look at your National Insurance record online using the government’s check your State Pension service.

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If you need more than around £9000 per year to live the lifestyle you want in retirement in the UK what are you doing to make sure you have enough money?

There are many ways to build a retirement savings pot. Diversifying how you save for retirement in the UK is crucial to reduce the risk of you missing your retirement savings target over decades of saving.

It is worthwhile writing down how you plan for retirement? In addition to helping you to remember what your retirement plan is it will enable you to quickly review your progress towards achieving your retirement plan over many years.

A retirement plan should encompass elements like pensions property cash savings taxation outstanding debt and it should change the closer you get to retirement so you can change it. Taking more risks may be acceptable to you 40 years before you retire but 4 years before you retire you may want to protect your retirement savings from risks of loss including converting retirement savings into more liquid assets or less risky investments. It is also advisable to consider what will happen to your retirement savings pot should you die before you retire. For example a will will ensure your retirement savings pot goes where you want it to go when you die.

Closer to retirement you also need to consider you you will access the retirement savings pot

This could include purchasing an annuity that pays you lifetime income and drawing down money from pensions. It could include selling or downsizing property. You need to take time well before retirement to do this so that you will have the money you need to pay for your lifestyle in retirement you want.

Remember also that ill health or a change in relationship like divorce can change your available retirement funds or costs whilst in retirement in UK.

Get yourself ready for retirement day today!

It is important to start with the end. What kind of lifestyle do you want to live in retirement in the UK? What size of retirement savings pot will you need to produce at retirement so that you can lead the retirement life you want? You need to plan carefully for how you want to retire and when. If you want to retire earlier than state retirement age in the UK then you may need to build a bigger retirement savings pot quicker. Early retirement means you have less time to build your retirement savings pot and it will have to last longer assuming you live longer.

Work out how much money you will need when you retire and plan ahead today not tomorrow!

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Hacks to save money in UK

How to save money in UK with CheeringupInfo

Do you want to save money and time in the UK? Discover the best ways to save money in the UK online. Grab the latest bargains in the UK first before the sell out!

Reduce money worries. Make your money go further. Get expert money advice. Discover amazing ways to save money in the UK.

It is important to have an emergency pot of money to call upon at short notice. However after you have 6 month living costs saved up in the bank do not save more if you have outstanding debts which you are paying interest on.

Debt which is interest free is different. Managing this debt is still very important but debt that is interest free can help you save money in other areas of your life. For example pay off debt that you are paying interest on and spend money on interest free credit cards. Note that even the interest free debt will have to be paid off at some point but balancing your money to target expensive debt with high interest can save you a lot of money.

Be clear on the reasons for saving money in UK

If you have in mind the end purpose for saving money then it can help motivate you to save more money. Just saving money for the sake of it can result in unplanned spending because you have lost the focus off your money saving plans. An end goal for your money saving effort can spur you to save money when you might otherwise spend it.

Put a proportion of money that comes your way regularly and consistently

Putting money by every time you get paid will create virtuous money saving habit. Having your saved money in a separate savings account can also reduce the chance you spend what you have saved diligently.

Cutting out or cutting down on the bad things in your life can protect your hard earned cash from waste

Smoking drinking and gambling are the three worst offenders. However you can lump in fast food and even expensive coffees. You do not need to live a miserable life if your perception of saving money in these areas is that you are improving your life not cutting out good experiences. Change your perception to make it easier to cut out or cut down.

Looking at your monthly living costs to find ways to save money every month without trying too hard

Utility bills phone bills mortgage and the like that present a monthly debit from your bank account are a useful source of money saving opportunities. Competition in the marketplace in the UK normally means that there are other businesses who want your business and are prepared to charge you less to get your business. Once done diary it for the next time you can swap suppliers then forget about it.

Self imposed austerity does not need to be miserable if you know why you are saving money and how to do it with least impact on your lifestyle

To give you an idea of how much to save each month spending about 50 percent on essentials like accommodation costs and food plus 30 percent on more luxury based spending will give you 20 percent to save each month.

For many people in the UK this money guideline is not manageable. If you cannot cut costs of living in UK then you can increase your income by changing jobs.

More than half of people in the UK are planning on changing jobs in 2020. There are many good reasons to change jobs but boosting your income is not a bad reason though could be if there are other things to consider. However looking about for a new job that pays more will help you measure your worth to an employer. Should you receive a new job offer you can still go back to your boss and tell them you have a job offer that pays more. He or she might give you a pay rise to stay in your current job.

There is near record low unemployment in the UK. There is a growing skills shortage. It is often better for a UK employer to pay more to keep employees who plan on leaving than to recruit a replacement. UK job hunters have the upper hand in wage negotiation. Whether you choose to exercise this power to try to improve your lifestyle is your choice. However if you do not look round and test the job market you will never know if you can realistically boost your income.

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Embrace the JOMO Joy Of Missing Out with CheeringupInfo

Want to be happier in the UK with latest CheeringupInfo

Are you fearing what you are missing out on? The answer normally is nothing! Instead experience the joy of missing out. Become more mindful of what you are experiencing right now every day and on balance you are likely to be happier in life in the UK.

Focus on your own life improvement not what others are doing in their life. Make the right life choices for you to achieve what you really want in life in UK.

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Spend a little time each day at the right time for you luxuriating in how you feel and the environment around you.

5 Top Tips To Grow Your Happiness In The UK

We look around the world to bring you the top lifestyle improvement tips to make you happier in the UK:

  1. Identify the things you should be grateful for that are in your life right now before seeking a better life.
  2. Be present in everyday activities.
  3. Keep reminding yourself each and every day that you are a good person.
  4. Yes you could be better but do not judge yourself. Cut yourself some slack!.
  5. Find and mix with people who enhance your life. Many people deliberately or unknowingly drag you down. Either way the result is the same. You are not as happy as you could be. Develop more genuine friendships that benefit and add to your life not subtract from it.

Be honest about yourself. What is it that does make you happy or could make you happier? Each day celebrate was does make you happy and take at least one step forward to make yourself happier.

You have to want to change your life before change will happen. It may well be the case that everything is just peachy for you right now? If so great! If not what are you prepared to do differently to make your life in UK better.

Nobody else can decide what is right for you. However if you do not decide what is better for you then your life will not get better.

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It can be helpful to make yourself accountable to someone. Just a friend family member or partner. Telling them what lifestyle improvements can give you support help and advice but also make your new life plan more real. Making yourself accountable for your actions or inaction can help focus your mind on what matters.

Reward yourself for little and big successes. If you plan big lifestyle improvements you cannot achieve everything at once. It is important to reward yourself for small successes towards life improvement along the way. The journey towards a better life will become better and you are more likely to stick to your plan and achieve your life goals.

If you do make mistakes accept them. They are part of learning how to improve your life. It could be that some failures change your eventual destination. This is not total failure. It is actually heightened success in the way you change your life. Failures can lead to an even greater lifestyle that matches more closely what you really need in your life.

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  • Tell people why your products or services are the best.
  • Use innovative ways to engage people interested in what you have to offer and who are ready to buy.
  • Increase your online sales and grow your business faster.

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Learn how to become financially independent

Achieving financial independence with Cheeringup.Info

Find out how to do whatever you want in life in the UK. You may not become captain of a world cup winning team but you can create a financially independent life for yourself. When that financial independence comes maybe later for some than sooner but you can achieve financial independence.

Almost anybody can achieve financial independence provided you are prepared to make tough changes to reach your goals. If you change your goals you maybe able to achieve financial independence even sooner.

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The key to achieving financial independence is to be clear what you want to do with your financial dependence. If you are on minimum wage and want financial independence in 10 years time to go cruising in the Caribbean every year your unrealistic goal will not be achieved! However if you are on minimum wage and want to retire in 35 years time and live in Canary Islands during winter months every year and UK in summer then this is achievable.

Set realistic goals that can be achieved perhaps with some sacrifices. You may have to cut some of your spending habits to achieve your longer term financial independence. You may need to cut some luxury spending in retirement to retire earlier but still be financially independent.

Diversifying how you invest your available money will make it more likely you will achieve your long term goal of financial indpendence

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You do not have to be super rich to achieve financial independence and the freedom to decide how to live your life. You do not have to work until you drop dead. You can choose the work life balance you want from retiring early to working part time to working until you drop dead? Whatever works for you is what financial independence means.

To give you an idea most people in retirement can easily live on £20000 a year in the UK. If you have built up retirement savings of £500000 then you are almost certainly financially independent. You can drawdown retirement income and your retirement savings pot will still grow enough to support you however long you live.

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What do you need in your lifestyle in retirement to live happily?

Luxury is a subjective assessment. Living financially independent does not mean you can live in luxury. If you want a luxurious lifestyle in retirement you will need to build a bigger retirement savings pot. Cut your cloth accordingly.

Realistically you will need to put aside at least 20 percent of your income into a retirement savings pot over 40 years. That does not need to be pension although pensions are very tax efficient and can therefore build a bigger savings pot quicker. That clearly means that many people would need to severely cut their current lifestyle spending.

Some may say they would rather live well now than save for financial independence later or that they just cannot save that much money each month. On the former then that is your choice. On the latter you maybe in the minority of people in UK who literally cannot change their spending habits to become financially independent at any point in their lives. However most people can cut their spending now to save more for later. It just depends on what life choices you want to make and what sacrifices you are prepared to make. Drinking smoking expensive coffee overeating holidays new stuff etc can all make your life worth living for you but if you want financial independence latter in life then many such things need to be cut out of your life now.

If you are prepared to cut things out of your life now to save for financial independence latter you cannot just put savings in the bank

UK banks do not pay interest at a rate that would even cover inflationary costs. In other words money in the bank is losing you money each year! You will never achieve financial independence by just putting your money saved for retirement in the bank. Your retirement savings pot will not grow fast enough to give you financial independence.

Historically stocks and shares are the best investments to build long term wealth. On average they grow in value and pay dividends to build your wealth. You need to reinvest the dividends to build wealth faster so when you get dividends you buy more shares you do not take the money out of that business.

Stocks and shares in an ISA wrapper will save for your financial independence quicker. The capital growth and income from shares will be protected from tax. Your money invested will grow faster. Individual stocks and shares can be saved in an ISA wrapper as can tracker funds covering indices such as the FTSE 100 which have low management fees and spread the risk. Tracker funds can smooth out losses of some shares and the economy especially if you save regularly. Drip feeding your money into tracker funds when stock market falls means you buy more shares when price has fallen that can boost your savings when the investing cycle turns upwards.

Consistent saving in pension or stocks and shares ISA gives you the best chance of financial independence but is not a guarantee. Others prefer to invest in property like their own house or buy to lets. In the former you may have to downsize to access financial independence later in life. In the latter taxation can cut out achievable capital and income growth. Nothing in life is certain. However if you want financial independence you need to start your personal wealth plan now. The sooner you start the quicker it will be achievable.

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Making retirement easier in the UK with CheeringupInfo

Planning for retirement tips UK with CheeringupInfo

Do you want to know how to retire in the UK with the lifestyle you want in retirement? Prepare for retirement in the UK with help from CheeringupInfo.

To give you an idea about how much money you may need to continue your in work lifestyle after you retire then you need to somehow create retirement income that is around 70 percent of the income you are earning just before you leave workforce to retire in comfort in the UK.

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However manage depends on your retirement lifestyle needs. If you do not use a pension as part of your retirement plan you need to make sure you do not dip into your retirement savings pot as part of your normal living costs.

In terms of UK State Pension Income each individual gets it depends on how much you pay in National Insurance contributions NIC. UK workers need to have 30 years of qualifying National Insurance contributions to get the old state pension but require 35 years to get the full flat rate state pension now. However even if you paid in full for a whole 35 years there are circumstances where your State Pension could reduce.

The full UK state pension will pay out less than £10000 per year so it will not provide enough income to retire comfortably for most people in UK. To get more from the state you will need to have paid National Insurance contributions for at least 35 years.

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If you have not paid National Insurance contributions NICs or received national insurance credits because you were paid state benefits you you will not qualify for a new UK state pension. The exception to this is if you are married or in a civil partnership.

However most people will need additional retirement savings if they are to live in retirement in UK in the style they have been accustomed to. How you create your retirement savings pot will depend on your personal circumstances and what you plan for your retirement in UK.

To figure out how to make your retirement comfortable it is better to start with figuring out how much you will need each year in retirement instead of blindly paying into a pension. You may have to change your retirement plans if in the real world you are never going to hit the annual retirement income you need. Alternatively you can boost your retirement saving plans to make sure you can live in retirement the way you want to.

To retire easily actually takes a clear retirement plan and the sooner you start retirement planning the more likely you can have the retirement you want

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Discover the best ways to save for retirement in UK

Creating the right retirement savings plan for you is essential to reitre easily in the UK. Make better retirement choices after you have looked at all realistic options. Understand your key choices now long before you retire. Plan ahead to work out how much money you will need when you retire.

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Making retirement easier in the UK with CheeringupInfo

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Making retirement easier in the UK with CheeringupInfo