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01/10/2025

Workplace pensions: what they are & why they matter

💡 A workplace pension is a savings pot your employer sets up for you.

You pay in, your employer adds to it, and you automatically get tax relief.

Why does it matter? Because it’s one of the easiest ways to grow your retirement savings without having to do much at all.

👉 Learn more at link below:

https://www.boringmoney.co.uk/learn/what-is-a-workplace-pension/?BMsource=Instagram&BMcampaign=direct_essentialguidetoworkplacepensions

29/09/2025

UK economy updates from Rachel Reeves’ Labour Party Conference speech today 📢

From tackling debt recovery to pledging caution on public finances, the Chancellor set out Labour’s approach.

Highlights:
⚖️ Careful borrowing
🏥 Recovering funds to be directed into public services
📉 Reassurance on taxpayers’ money

Swipe the carousel for more 👆

Stay on top of money, investing & pensions with Boring Money – subscribe for free via the link below!

https://www.boringmoney.co.uk/sign-up/?BMsource=Facebook&BMcampaign=direct_signupcalltoaction_newspost_labourpartyconference_29September2025

26/09/2025

This week’s Question of the Week… 🤔💭

Can I invest and still have easy access to my money? 💸

The trick is finding the balance between flexibility and growth. A good starting point is to keep an emergency fund for unexpected costs, then look at investing smaller amounts regularly. That way, you’re building good habits without locking everything away, and you have a savings fund you can access in emergencies without impacting your investments.

👉 Link below to see the full answer.

https://www.boringmoney.co.uk/ask/can-i-invest-and-still-have-easy-access-to-my-money/?BMsource=Facebook&Bmcampaign=direct_canIinvestandstillhaveeasyaccesstomymoney

25/09/2025

Money management doesn’t have to mean endless spreadsheets😒

From pensions and tax to savings and investing, the right calculators can take the guesswork out of your finances. We’ve rounded up the most useful free tools to help you plan smarter and stay on track.

📊 Explore them all here – link below:

https://www.boringmoney.co.uk/learn/articles/pensions-taxes-and-savings-calculators/?BMsource=Facebook&Bmcampaign=direct_taxsavingsandinvestingcalculatorstomanageyourmoney_post25September2025

24/09/2025

💡 Retirement might feel a lifetime away, but here’s the trick: the earlier you start, the easier it gets. Even small amounts add up thanks to compound growth.

From workplace pensions (hello free money from your employer 👋) to Lifetime ISAs and smart investing, there are simple steps you can take now to give future-you options.

It’s not about becoming a finance whizz — it’s about getting started.
Read more 👉 https://www.boringmoney.co.uk/learn/articles/pension-prep-5-things-to-do-when-youre-starting-out/?BMsource=Facebook&Bmcampaign=direct_StartSavingforRetirement5EssentialStepsforYoungSavers_post23September2025

22/09/2025

💷 Saving or investing – which makes sense for you? It depends on your goals, your timeframe, and how many market ups and downs you can handle. Do you have short-term goals like a house deposit? Cash might be for you. Long-term plans like retirement? Investing could help your money grow. 🕒📈

Find out what’s right for you via the link below:

https://www.boringmoney.co.uk/learn/articles/saving-vs-investing-3-things-to-consider-before-you-choose/?BMsource=Facebook&Bmcampaign=direct_savingvsinvesting_post22September2025

19/09/2025

This week’s Question of the Week… 🤔💭

Should I defer my State Pension to save on tax? 💷

Deferring means you’ll get a bit more later, but you could also look at other ways to manage your tax bill while you’re still working. It all depends on your circumstances… everyone’s pension puzzle looks a bit different.

Want the full answer? Find it on Boring Money👉 https://www.boringmoney.co.uk/ask/should-i-defer-my-state-pension-to-save-on-tax/?BMsource=Facebook&Bmcampaign=direct_questionoftheweek_shouldIdefermyStatePensiontosaveontax

18/09/2025

📊 Bank of England holds base rate at 4%

The BoE has kept rates unchanged as inflation remains above target. Savings, mortgages, and annuities continue at current levels, and the State Pension is expected to rise by 4.7% next year.

👉 Read the full article for all the details — link below:

https://www.boringmoney.co.uk/learn/articles/the-uk-retirement-story-five-points-on-pensions/?BMsource=Facebook&BMcampaign=direct_boeinterestratedecision_18September2025

17/09/2025

September is Pension Awareness Month, a nationwide campaign highlighting the importance of saving for retirement.

We’re reflecting on our own research to show how Brits feel about their pensions. Each year our team speaks to thousands of UK savers for the annual Pension Report, and we’ve pulled together five of the most interesting insights.

👉 Read more below:

https://www.boringmoney.co.uk/learn/articles/the-uk-retirement-story-five-points-on-pensions/?BMsource=Facebook&BMcampaign=direct_TheUKRetirementStoryFivePensionPointsfor2025

16/09/2025

🚨BREAKING NEWS🚨

📉 UK wage growth has slowed to a three-year low, while unemployment has climbed to 4.7%, the highest in four years.

According to the Office for National Statistics, average earnings excluding bonuses grew by 4.8% in the three months to July. After inflation, that leaves real regular pay only about 1% higher than a year ago.

📰 Stay in the know on money news, investments, and pensions with Boring Money – subscribe for free via the link below:

https://www.boringmoney.co.uk/sign-up/?BMsource=Facebook&BMcampaign=direct_signupcalltoaction_newspost_wagegrowthhitsthreeyearlow_16September2025

15/09/2025

How much do you really need for retirement?

There’s no one-size-fits-all answer. Planning your retirement depends on you - whether you’re single or in a partnership, what kind of lifestyle you want, if you're planning regular holidays, and that's just a few things.

Our free 6-step course will guide you through how to plan for the retirement you want — and show you the steps to start making it happen 👉 link below:

https://www.boringmoney.co.uk/courses/how-to-save-for-the-retirement-you-want/?BMsource=Facebook&BMcampaign=direct_howtosavefortheretirementyouwant_15september2025post

09/09/2025

Many young people aren’t making the most of their pensions. From 18 to 44, many are sticking to low-risk options, even when time is on their side. Could taking a bit more risk now help your future self? 🤔

💬 Tell us in the comments what would help you feel confident taking more risk — and join our panel to make your voice heard in future research! Link below:

https://www.boringmoney.co.uk/the-boring-money-army-wants-you/?BMsource=Facebook&BMcampaign=direct_JoinResearchPanel_CallOutOnPensionRiskChoicesPost9September2025

Our research findings from the Boring Money Online Investing Report 2024 highlight this behaviour.

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Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8:30am - 5:30pm

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