There’s a lot in the news these days about planning for the future, everyone being urged to save, save, save for their retirement. Of course this is easier said than done for many, what with the cost of living going up all the time, mortgage and fuel costs being just two of the areas causing concern.Even when you do have the money to consider saving, the big question is how to do it the right way. Do it the wrong way and Gordon Brown and his chancellor will get their hands on (more of) your money, something that no one really wants. But it is a complicated world out there, with lots of different savings plans and many interesting ways of reducing tax and increasing returns, but you do have to know your way around.Then of course, there are ways of making sure that you are paying the least possible for your mortgages and loans. The credit crunch in Dec 2007 has made this much more difficult, with many lenders simply not being able / willing to lend money the way they used too. Those with a poor or adverse credit history have even more problems in this area, however, […]

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