Spero Financial, Belfast (2026)

26/08/2022

Reminder to all the millenials who feel like they've been saving forever for a house deposit.

Without financial help, it can be a very slow and ardous journey.

And you may well hear criticism from older generations telling you that you're just bad with money and need cut the 'luxuries'.

Well here's the numbers.

𝗔𝘃𝗲𝗿𝗮𝗴𝗲 𝗨𝗞 𝟭𝘀𝘁 𝗧𝗶𝗺𝗲 𝗕𝘂𝘆𝗲𝗿 𝗗𝗲𝗽𝗼𝘀𝗶𝘁: £𝟯𝟯,𝟬𝟬𝟬

Netflix, coffee and avocado toast aren't the problem.

To spend £33,000...

📽️ Watch Netflix for 250 years - £10.99/mth.

☕ Get a takeaway coffee everyday for 32 years - £2.80/day

🥑 Eat avocado & sourdough at a cafe everday for 13 years - £6.50 a day

Some sacrfices may have to be made but saving shouldn't mean no disposable income.

This post is just a reminder to keep going and ignore the prehistoric rhetoric telling you it's your fault!

Catch us at:
📧 [email protected]
🌐 www.sperofinancial.uk

24/08/2022

Congrats.

You'll probably get greater rewards.

But at a greater risk.

You won't have:

❌️ Death in service

❌️ Critical illness cover

❌️ Holiday pay

❌️ Sick pay

❌️ Health insurance

❌️ Entitlement to SSP or ESA.

These are now your responsibility.

To mitigate the risks of being self employed, speak to a financial advisor who can help you provide your own benefits!

Catch us at:
📧 [email protected]
🌐 www.sperofinancial.uk

22/08/2022

That's the headline.

Here's the story.

You've probably found it next to impossible to see your GP.

Are they to blame as individuals?

No.

They're not incompetent at their job.

Almost 100 GP practices in Northern Ireland have sought emergency support or are in crisis – which could lead to “complete collapse” of the health service, the BMA has said.

“The longer this goes on it will become irrecoverable, and that is a huge, huge fear of ours. This could be complete collapse of the health service."

Better planning and funding is what's needed.

Until then.

Is private medical insurance your solution?

Catch us at:
📧 [email protected]
🌐 www.sperofinancial.uk

19/08/2022

Some people will be cautious of insurance companies.

Thinking they don't make their money by not paying claims.

𝗪𝗥𝗢𝗡𝗚!

The FCA would shut them down and they wouldn't make much money.

The basic principle is that the relatively small premiums we all pay for policies are pooled by the insurer, who then invests the money on a short and/or long term basis.

The returns serve to maintain and grow the value of the business!

Simple.

Catch us at:
📧 [email protected]
🌐 www.sperofinancial.uk

17/08/2022

𝟭. 𝗜𝗳 𝘆𝗼𝘂𝗿 𝗶𝗻𝗰𝗼𝗺𝗲 𝘀𝘁𝗼𝗽𝗽𝗲𝗱 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄, 𝗵𝗼𝘄 𝗹𝗼𝗻𝗴 𝗰𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗹𝗮𝘀𝘁 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗰𝗼𝘂𝗹𝗱𝗻'𝘁 𝗽𝗮𝘆 𝘆𝗼𝘂𝗿 𝗯𝗶𝗹𝗹𝘀?

𝟮. 𝗜𝗳 𝘆𝗼𝘂 𝗰𝗼𝘂𝗹𝗱𝗻'𝘁 𝘄𝗼𝗿𝗸 𝗮𝗻𝗱 𝗿𝗮𝗻 𝗼𝘂𝘁 𝗼𝗳 𝗺𝗼𝗻𝗲𝘆, 𝗵𝗼𝘄 𝘄𝗶𝗹𝗹 𝘆𝗼𝘂 𝗽𝗮𝘆 𝘆𝗼𝘂𝗿 𝗯𝗶𝗹𝗹𝘀?

Only you will know your answers.

But we know...

❗️1 in 10 people have no savings

❗️41% of people don’t have enough savings to live for a month without income.

The cost of living crisis has made people more of aware than ever of their financial state.

Without income protection you could just be a couple months away from being broke, destroyed credit scores (which will hurt your chances of borrowing) and repossessions.

Can you afford to not have income protection?

Source: https://www.finder.com/uk/saving-statistics
Analysis conducted by finder.com/uk

Catch us at:
📧 [email protected]
🌐 www.sperofinancial.uk

15/08/2022

Our healthcare system is struggling in a number of areas.

None moreso tnan the front line service provided by GPs.

The GP surgery is the first port of call for any patient.

It is an integral and vital part of the health service which we all rely on.

This service is under strain like never before.

Facing serious staffing and workload pressures that pre-date the pandemic but which have worsened over the past two years.

And there's no sign of it changing anytime soon.

If you're tired of waiting days or weeks to speak to someone then private medical insurance is your answer.

Video GP services are available on all private medical insurance plans as standard.

Get seen to at a time that suits you!

Catch us at:
📧 [email protected]
🌐 www.sperofinancial.uk

12/08/2022

𝙏𝙝𝙚 𝙜𝙤𝙖𝙡 𝙨𝙝𝙤𝙪𝙡𝙙 𝙗𝙚 𝙩𝙤 𝙣𝙚𝙫𝙚𝙧 𝙡𝙤𝙨𝙚 𝙨𝙤 𝙗𝙖𝙙 𝙩𝙝𝙖𝙩 𝙞𝙩 𝙩𝙖𝙠𝙚𝙨 𝙮𝙤𝙪 𝙤𝙪𝙩 𝙤𝙛 𝙩𝙝𝙚 𝙜𝙖𝙢𝙚 𝙘𝙤𝙢𝙥𝙡𝙚𝙩𝙚𝙡𝙮.

Unfortunately you're going to still have to work.

But with these 5 things you can give yourself the best chance at financial security.

𝟭. 𝗣𝗮𝘆 𝗼𝗳𝗳 𝗱𝗲𝗯𝘁. That credit card debt that you're making minimum payments on, try and make it a goal to pay it off as credit cards typically have the highest interest rates.

𝟮. 𝗕𝘂𝗶𝗹𝗱 𝗮𝗻 𝗲𝗺𝗲𝗿𝗴𝗲𝗻𝗰𝘆 𝗳𝘂𝗻𝗱. Should speak for itself but 3-6 months of overheads in your account will give you better sleep. Unexpected events like weddings, car repairs, birthdays, home emergencies are hard to budget for and an emergency fund can help when on a budget.

𝟯. 𝗦𝘁𝗮𝗿𝘁 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴. You probably know you should have by now, if you haven't then start. Start small until you can commit more disposable income.

𝟰. 𝗛𝗲𝗮𝗹𝘁𝗵 𝗮𝗻𝗱 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲. The financial and physical implications of no protection isn't a reality that anyone wants. You may think it's unlikely to happen to you, but it can happen to anyone.

𝟱. 𝗟𝗶𝗳𝗲 𝗹𝗼𝗻𝗴 𝗹𝗲𝗮𝗿𝗻𝗶𝗻𝗴. If you invest in yourself then you'll never go broke. Learners are earners.

Not all debt is the same and when it comes to finer financial strategies you should always consult a financial planner.

Catch us at:
📧 [email protected]
🌐 www.sperofinancial.uk

10/08/2022

Odds?

𝗘𝘂𝗿𝗼𝗺𝗶𝗹𝗹𝗶𝗼𝗻𝘀: 𝟭 𝗶𝗻 𝟭𝟯𝟵,𝟴𝟯𝟴,𝟭𝟲𝟬

𝗖𝗮𝗻𝗰𝗲𝗿 𝗶𝗻 𝘆𝗼𝘂𝗿 𝗹𝗶𝗳𝗲𝘁𝗶𝗺𝗲: 𝟭 𝗶𝗻 𝟮

Why are some of us more likely to play the lottery than protect our incomes?

Attitude to risk, if you see the issue then you're ready to talk with us.

*𝘚𝘵𝘢𝘵𝘴 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘥 𝘣𝘺 𝘊𝘢𝘯𝘤𝘦𝘳 𝘙𝘦𝘴𝘦𝘢𝘳𝘤𝘩 𝘜𝘒 𝘢𝘯𝘥 𝘓𝘝= 𝘙𝘪𝘴𝘬 𝘙𝘦𝘢𝘭𝘪𝘵𝘺 𝘊𝘢𝘭𝘤𝘶𝘭𝘢𝘵𝘰𝘳.*

Catch us at:
📧 [email protected]
🌐 www.sperofinancial.uk

08/08/2022

📢 To all my Millenials:

𝗔 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗶𝘀 𝗻𝗼𝘁 𝗮 𝗺𝗲𝗮𝘀𝘂𝗿𝗲 𝗼𝗳 𝘀𝘂𝗰𝗰𝗲𝘀𝘀, 𝗶𝘁'𝘀 𝗮 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻.

Being able to buy a house just out of school or university was a generation ago.

Being able to buy isn't just as easily accessible as it used to be.

Is owning your own property still a great goal to have? Yes!

But.

Success is defined differently by different people.

Don't forget your own metrics for success.

Catch us at:
📧 [email protected]
🌐 www.sperofinancial.uk

05/08/2022

You can organise a new mortgage deal 𝘂𝗽 𝘁𝗼 𝟲 𝗺𝗼𝗻𝘁𝗵𝘀 𝗯𝗲𝗳𝗼𝗿𝗲 your existing deal ends!

📈 With interest rates rising again yesterday, now is the time you really look at your mortgage. 📈

If your deal is coming to an end or you're on a SVR, chat to us to see how we can save you some money!

Catch us at:
📧 [email protected]
🌐 www.sperofinancial.uk

01/08/2022

Being unhealthy is hard, living a healthy lifestyle is hard.

Being broke is hard, being successful is hard.

𝗛𝗮𝘃𝗶𝗻𝗴 𝗱𝗶𝗳𝗳𝗶𝗰𝘂𝗹𝘁 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻𝘀 𝗮𝗯𝗼𝘂𝘁 𝗹𝗶𝗳𝗲 𝗮𝗻𝗱 𝗱𝗲𝗮𝘁𝗵 𝗶𝘀 𝗵𝗮𝗿𝗱, 𝘁𝗵𝗲 𝗰𝗼𝗻𝘀𝗲𝗾𝘂𝗲𝗻𝗰𝗲𝘀 𝗼𝗳 𝗻𝗼𝘁 𝗵𝗮𝘃𝗶𝗻𝗴 𝘁𝗵𝗼𝘀𝗲 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻𝘀 𝗶𝘀 𝗵𝗮𝗿𝗱.

So choose your hard.

We have those difficult conversations about death, cancer, disability, sickness and injury so that one day, when they happen - life isn't as hard.

Catch us at:
📧 [email protected]
🌐 www.sperofinancial.uk

29/07/2022

You can barely tolerate it airports.

How about when it's your health?

𝟭𝟴𝟲,𝟳𝟰𝟱 𝗣𝗘𝗢𝗣𝗟𝗘 were waiting 𝗹𝗼𝗻𝗴𝗲𝗿 𝘁𝗵𝗮𝗻 𝟱𝟮 𝘄𝗲𝗲𝗸𝘀 for their 𝗙𝗜𝗥𝗦𝗧 consultant led appointment.

How do you cope with that?

1. Accept that your health won't be a priority and your condition could get no better or deteriorate.

2. Pay to go private. Adding up multiple consultant led appointments, tests, scans, diagnostics and surgery makes it £1000s worth.

3. Prioritise your health and get private medical insurance for yourself so that you don't become a statistic.

Catch us at:
📧 [email protected]
🌐 www.sperofinancial.uk

Spero Financial