Master your budget: Wants vs. needs simplified Hello readers, As the New Year begins, it’s always refreshing to take stock and reassess our priorities—financial ones included. And let's be honest, who doesn’t enjoy finding a way to save a little extra without compromising the things we enjoy? This year, one conversation I’ve found particularly enlightening is about distinguishing between wants  and needs . It’s an age-old financial principle, but you’d be surprised how many of us unknowingly let “wants” sneakily siphon off resources better used elsewhere. Take, for instance, the dreaded forgotten subscription or that gym membership you swore you’d use every week but haven’t touched since summer. These recurring expenses can quietly pile up, draining your budget without offering much in return. But here’s the good news: with a little effort and some smart tools, you can reclaim that money. A Quick Guide to Getting Started Audit Your Subscriptions Start by listing all your recurring expenses—apps, streaming services, memberships. Ask yourself: Do I genuinely use or need this?  If the answer is no, cancel it. Compare Providers When was the last time you checked your utility or insurance rates? Providers count on your loyalty (or forgetfulness) to keep you paying higher-than-necessary rates. Comparing quotes can often lead to significant savings without affecting quality. Use Budgeting Tools Budgeting apps are a game changer. Many of them provide a consolidated view of your direct debits and subscriptions, making it easier to spot areas for improvement. Consolidate Debt If high-interest debts are draining your finances, refinancing or consolidating can help. By reducing your monthly payments, you’ll have more money to allocate towards your goals. The Power of Categorising Expenses I often suggest clients sort their spending into two categories: wants  and needs . This simple exercise works wonders in identifying where to cut back. You might find that daily takeaway coffee or premium TV package isn’t quite as essential as you thought. It’s a little like decluttering your home—you won’t miss most of the items you let go of, and your finances will feel far more manageable. A Subtle Shift with Big Results One of the simplest yet most powerful financial strategies is switching from a mindset of accumulation to one of optimisation. By trimming unnecessary expenses, comparing providers, and managing debt more effectively, you’re not just saving money—you’re investing in your long-term financial wellbeing. As we move through 2025, why not challenge yourself to implement one of these tips each month? By December, you might be surprised at just how much you’ve saved.

December defies expectations—discover what’s next for the property market in 2025 Hello readers, The property market is nothing if not surprising, and December was no exception. Traditionally a quiet month for real estate, last year bucked the trend with a flurry of activity that has set the tone for an intriguing 2025. Let’s unpack what happened and what it might mean for the months ahead. December: The Month That Refused to Slow Down While many of us were indulging in mince pies and mulled wine, the property market was buzzing with energy. From first-time buyers eager to secure their homes to seasoned investors eyeing opportunities, demand remained strong. I witnessed this firsthand—three clients had their offers accepted on Christmas Eve alone! And the phones didn’t stop ringing between Christmas and New Year, as buyers raced to get their transactions moving. The Drivers Behind the December Frenzy What caused this unseasonal spike in activity? Stamp Duty Deadlines:  The impending surcharge adjustments gave buyers an extra push to seal their deals. Falling Mortgage Rates:  Lenders like Halifax and Leeds Building Society cut rates, sparking hope of a January rate war—a tantalising prospect for buyers. Seasonal Aspirations:  Many people were determined to settle into their dream homes by spring, ready to enjoy the summer in a new space. Predictions for 2025 Here’s what property professionals and buyers alike should watch: Mortgage Rate Competition:  A rate war among lenders could make borrowing cheaper, spurring further activity. Steady House Price Growth:  Expect modest increases, with annual growth forecasted at around 2–2.5%. Legislative Shifts:  Renters’ rights bills and stamp duty changes could reshape the landscape for landlords and buyers alike. Final Thoughts 2025 looks to be a year of cautious optimism in the property market. While opportunities abound, the key is preparation. Whether you’re buying your first home, scaling a portfolio, or navigating legislative changes, staying informed will be your greatest asset. If you’re ready to make your move, now’s the time to act. The property market waits for no one, and 2025 is already shaping up to be a year to remember.

The housing market gears up for 2025: lenders compete, and borrowers win (for now). Hello readers, As we pack away the decorations and set our sights on a new year, Leeds Building Society is already thinking ahead to 2025. The start of the year promises to kick off with a bang as a lender rate war unfolds, sparked by impending Stamp Duty changes in April. This presents an exciting opportunity for borrowers to secure competitive rates. Let’s dive into what’s in store for the housing market and how you can make the most of it. The Anticipated Lender Rate War Leeds Building Society has set the stage early, aiming to capture borrowers looking to finalise deals before April. This competitive push among lenders is expected to offer attractive mortgage rates, making it a prime time for buyers and homeowners to act. Why the rush? April’s Stamp Duty changes will increase the additional surcharge on second homes from 3% to 5%. Lenders are seizing this window to attract borrowers before the market adjusts to the new costs. How Borrowers Can Benefit If you’re planning to buy a property or remortgage, the early months of 2025 may provide the perfect opportunity. Here’s why: Competitive Rates:  Lenders competing for business often offer favourable terms. Lower Costs Now vs Later:  Acting before the Stamp Duty changes take effect could save you thousands in additional charges. Market Stability:  Experts predict a stable housing market at the start of the year, making it a less volatile time to invest. Key Tips for Securing the Best Mortgage Rates To make the most of this period, follow these steps: Start Early:  Research and compare lenders now to ensure you’re ready to act when rates drop. Consult a Broker:  A mortgage broker can help you navigate the market and find the best deals tailored to your needs. Check Your Credit Score:  A strong credit profile will put you in a better position to secure competitive rates. Consider Fixed-Rate Mortgages:  Locking in a low rate now could protect you from potential increases later in the year. The Bigger Picture: Stamp Duty and Market Impacts The upcoming Stamp Duty changes aim to make family homes more accessible, but they’re likely to reduce rental stock. For landlords, this means higher costs, but also the potential for increased rents due to constrained supply. Looking Ahead The early months of 2025 offer a unique combination of opportunities and challenges for borrowers and investors alike. With a proactive approach, you can navigate the lender rate wars and Stamp Duty changes to your advantage. As always, careful planning and informed decisions are key to success in the housing market. Key Takeaways Competitive mortgage rates are expected in early 2025. Stamp Duty changes in April will add urgency for borrowers. Plan carefully and compare offers to secure the best deals. Found this useful? Share it with your network to help others navigate 2025’s mortgage trends! For more insights, stay tuned to our blog for updates and tips.

Hidden treasure isn’t just for pirates—discover where you might be leaving money unclaimed. Hello readers, Have you ever wondered if you’re leaving money on the table—literally? We’re not talking about a forgotten fiver in an old jacket pocket. This is about substantial, game-changing amounts. Unclaimed workplace pensions, overlooked tax reliefs, and underutilized benefits are just the tip of the iceberg. For 2025, let’s dive into the financial unicorns hiding in plain sight and how you can harness them to build lasting financial resilience. What Is Free Money, and Why Is It Overlooked? “Free money” might sound too good to be true, but it’s real. From workplace pension matches to overlooked tax relief schemes, these opportunities are often ignored because they require a little effort to uncover. For example: Workplace Pensions:  Many employees don’t maximize their employer’s pension match, effectively declining free contributions. Tax Reliefs:  Are you taking full advantage of tax-efficient savings like ISAs? Or have you checked eligibility for schemes like Gift Aid? Government Schemes:  Initiatives like Help to Save and Child Trust Fund claims are often underutilized. Why Clients Miss These Opportunities As advisers, we often feel like detectives, uncovering treasures clients didn’t know they had. The reasons vary: Lack of awareness. Complicated jargon in financial documents. The “it’s too small to matter” mindset. But here’s the truth: these small wins add up. Tools and Techniques to Spot Hidden Opportunities If you want to start spotting these hidden gems, here are a few practical tools and approaches: Use Benefits Calculators:  These online tools can quickly identify eligibility for benefits you might have missed. Schedule a Financial Review:  Regular reviews help you uncover missed opportunities and plan for future gains. Simplify the Jargon:  Break down complex terms into understandable language—because clarity is power. Real-Life Wins: Lightbulb Moments It’s not just about saving or earning more money; it’s about the realisation that you could have been doing this all along. Those “lightbulb moments” we see in clients are a testament to the untapped potential in everyday finances. For instance A client who maximized their pension match doubled their retirement savings within five years. A family saved thousands by claiming unutilized Gift Aid donations over the past three years. Why Free Money Matters in 2025 The financial landscape is changing. With inflation, rising living costs, and ongoing uncertainties, every pound matters. Leveraging free money isn’t just a smart move—it’s a necessity. For investors and families alike, taking control of these opportunities could mean the difference between financial stress and security. Start Your Journey to Financial Resilience Today Don’t wait until it’s too late to uncover the financial opportunities that are rightfully yours. ✅ Book a Free Financial Review ✅ Explore Free Benefits Calculators ✅ Learn More on Our Blog   Have you had a financial lightbulb moment? Share your story in the comments below—let’s inspire each other to make the most of 2025!

Delays at the Land Registry disrupt property transactions nationwide. Hello readers, If there’s one thing we Brits are famed for, it’s our patience—or at least our ability to queue with quiet grumbling. However, even the most tolerant among us might be feeling the strain when faced with the current state of the Land Registry. At present, property registrations are taking an eye-watering 12-24 months  to complete. Yes, you read that correctly—up to two years. This isn’t a small inconvenience; it’s a growing issue with far-reaching consequences for buyers, sellers, and investors alike. And with stamp duty changes looming in April , the situation could reach boiling point. A System Under Pressure The Land Registry, already overwhelmed with its usual workload, has been further hindered by various strikes and staffing shortages. The result? A backlog that’s slowing down property transactions and causing widespread frustration. For those of you navigating the process, this isn’t just about time—it’s about opportunity, financial planning, and, for many, peace of mind. What Does This Mean for You? If you’re buying, selling, or investing, these delays mean planning ahead is no longer optional—it’s essential . The knock-on effects are profound: Buyers:  Risk losing out on properties or facing prolonged uncertainty. Sellers:  Are left in limbo, unable to move forward with their next steps. Investors:  May struggle with missed opportunities or financial strain as timelines stretch. The situation is further compounded by the impending stamp duty surcharge increase in April , which could spark a flurry of last-minute transactions, adding even more pressure to the system. Why Should You Care? The property market has always been an intricate dance of timing and strategy. These delays disrupt the rhythm, creating a ripple effect across the industry. And while we all understand the need for caution and accuracy in legal matters, a 24-month wait? Even by British standards, that’s pushing it. What’s Next? It’s clear the system needs reform—or at least a significant injection of resources to manage the growing backlog. In the meantime, for those braving the property market, the best advice is to plan ahead, stay informed, and work closely with your legal team to navigate the choppy waters. Looking Forward As we head into a new year, the property market’s resilience will once again be tested. The delays may continue, but so too will the determination of buyers, sellers, and investors to adapt. After all, if there’s one thing we excel at, it’s perseverance—whether we’re in a queue or not. What do you think about these delays? Have they affected your plans? Share your thoughts in the comments below—I’d love to hear your perspective.

Inflation might raise the stakes, but with the right strategy, the property market remains full of opportunities. A Gentle Nudge or a Harbinger of Change? Inflation has crept up to 2.6%, and while it hasn’t quite set alarm bells ringing, it’s enough to cause a collective raising of eyebrows across the property and mortgage sectors. For those of us immersed in this world, it signals a subtle yet undeniable shift—a reminder that financial waters are rarely still for long. Borrowers may soon feel the pinch, with affordability checks likely to tighten. Meanwhile, first-time buyers, already navigating a labyrinth of house prices and deposit challenges, could find the journey more taxing. Yet, despite the initial gloom, there’s a silver lining (if you’re prepared to look hard enough). Interest Rates and Buyer Confidence: A Balancing Act Historically, inflation tends to nudge interest rates upwards—a necessary evil to keep the economy in check. For potential buyers, particularly first-timers, this creates a complex dance between aspiration and affordability. But let’s not overlook the opportunities hiding in plain sight. A cooling market, often a byproduct of inflationary pressure, can pave the way for astute investors to strike gold. It’s not quite “bargain basement,” but savvy planning can turn a cautious climate into fertile ground for growth. Brokers to the Rescue: Turning Chaos Into Clarity In times of uncertainty, brokers become invaluable. We’re not just here to crunch numbers; we’re here to make sense of them for you. Whether it’s navigating the maze of mortgage options or planning for potential base rate hikes, our expertise is your compass. Rising inflation might complicate the landscape, but it also reinforces the value of sound advice and strategic foresight. The property market may throw up its fair share of hurdles, but with the right guidance, you can not only clear them but turn them into stepping stones. Final Thoughts: Don’t Panic, Prepare Inflation at 2.6% isn’t the end of the world—far from it. Yes, it’s a challenge, but it’s also a wake-up call to approach your property and mortgage decisions with both eyes open. Whether you’re a first-time buyer or a seasoned investor, staying informed and seeking expert advice will always pay dividends. The market rewards those who adapt, so why not let this moment of uncertainty be the push you need to make your next big move? Ready to Take Control of Your Mortgage Strategy?

A snapshot of the UK's renting crisis: tenants and landlords caught in a housing market under pressure. Renting in the UK has always been a challenge, but for many, it’s now teetering on the edge of impossible. Soaring rents, skyrocketing mortgage rates, and a punitive tax regime have created a perfect storm for both tenants and landlords. It’s a situation where no one wins, and the fallout is felt across the housing market. The Harsh Reality for Tenants For tenants, the numbers are grim. Rents are climbing at an astronomical rate, leaving many struggling to keep a roof over their heads. With inflation on the rise and economic growth stalling, tenants are finding it harder than ever to make ends meet. The days of affordable renting feel like a distant memory, and the outlook is anything but rosy. Why Landlords Are Struggling Too Contrary to popular belief, landlords aren’t reaping the rewards of this rental surge. Instead, they’re caught in a bind. Higher mortgage rates, driven by economic instability, mean that many landlords have no choice but to raise rents just to break even. Add to this the mounting tax burdens and regulatory challenges, and it’s clear that landlords are under immense pressure. House Prices: The Bigger Picture While rents climb, house prices continue to rise. The cheaper mortgage rates seen over the summer fuelled a temporary surge in demand, but with inflation now creeping back up, the situation is shifting. The economy’s contraction and the looming impact of recent budget measures are casting long shadows over the housing market’s future. What’s Next for the UK Housing Market? The immediate future holds little certainty. The stamp duty deadline may provide a brief reprieve by bolstering demand in early 2025, but beyond that, the path is unclear. Will inflationary pressures ease? Will tenants find relief? Or will landlords face further exodus, reducing rental supply even further? Only time will tell. A Call for Change This crisis demands action. Policymakers need to find solutions that address the needs of both tenants and landlords. Striking the right balance is no easy task, but without intervention, the UK housing market risks spiralling further out of control. For tenants and landlords alike, navigating these turbulent times requires resilience, adaptation, and, perhaps most importantly, hope. The housing market’s challenges are vast, but with the right measures, there’s potential to restore stability and fairness to a system that desperately needs it. 👉 What are your thoughts on the current state of the UK rental market? Share your experiences comment box.

2025 Mortgage Rate Forecast: Navigating Economic Trends. Ah, mortgage rates. The ever-elusive numbers that can make or break homeownership dreams. Predicting their trajectory is no small feat, akin to guessing the weather for a British summer barbecue—there’s always a sense of hope, tempered with a healthy dose of reality. As we look ahead to 2025, there’s cautious optimism among brokers, but let’s not pop the champagne just yet. What’s Driving the Optimism? Brokers are hinting at possible rate reductions in early 2025, but this is contingent on two key factors: Inflation Cooling Off : For rates to budge, inflation needs to behave itself. The Bank of England’s current stance on rates is as firm as a headteacher during inspection week—unwavering. But as inflation eases, we might see a loosening of the monetary policy reigns. Economic Stability : Sustainable economic stability will be crucial. Without it, lenders may remain cautious, reluctant to rush into slashing rates. Will LTV Rates Dip Below 4%? The million-pound question: could we see 60% and 75% Loan-to-Value (LTV) rates drop below 4%? Well, perhaps, but let’s not hold our breath. Achieving this milestone would require the perfect storm of financial conditions—and even then, lenders might hesitate to pass on reductions to borrowers. Think of it like spotting sunshine on a British summer day. It’s possible, but patience will be key. The Current Focus: Navigating Uncertainty While we await these potential shifts, the emphasis remains on equipping clients with the best tools and guidance to navigate today’s market. Proactive solutions and sound advice are the name of the game, helping borrowers stay afloat in these unpredictable times. What Should Borrowers Do in the Meantime? Stay Informed : Keep a close eye on market updates. Knowledge is power. Explore Options : Speak to your broker about available solutions, whether it’s refinancing, fixing rates, or exploring alternative lending options. Plan for the Long Term : With economic uncertainty still looming, adopting a cautious, long-term approach will be beneficial. Conclusion Predicting mortgage rates in 2025 might not require a crystal ball, but it certainly demands a mix of calculation, patience, and adaptability. While there are glimmers of hope, borrowers and brokers alike must keep their feet firmly planted in reality—at least until the Bank of England gives us a reason to celebrate. Until then, keep calm, carry on, and consult your broker. They might not have a crystal ball, but they do have the expertise to guide you through the storm.

Building Societies: Where Community Values Meet Modern Flexibility When it comes to personalised service and flexibility, building societies often outshine their high street counterparts. While big banks rely heavily on impersonal algorithms, building societies—with their more manual underwriting processes—take a closer look at individual circumstances. This makes them particularly appealing for complex cases or self-employed clients. But as charming as these institutions are, there are gaps in their armour, notably in branding and technology. Let’s explore the unique advantages of building societies and the areas where they could improve to better serve their communities. The Human Touch in Financial Services: One of the standout qualities of building societies is their ability to offer a bespoke approach to financial services. Unlike larger banks, which often funnel customers through rigid, automated systems, building societies retain the human element in decision-making. This is particularly beneficial for: Self-employed individuals : Whose income streams may not fit into traditional lending models. Complex cases : Such as unique property purchases or non-standard credit histories. This personalized touch fosters a sense of trust and approachability, attributes that are increasingly rare in modern finance. Room for Improvement: Despite their strengths, building societies are not without their flaws. Many of these institutions lack a strong digital presence and rely on outdated online tools. In a world where convenience is king, this can alienate younger, tech-savvy borrowers. What could change? Increase digital platforms : User-friendly apps and efficient online processes could make their services more accessible. Stronger branding : A focused PR strategy highlighting their community-driven ethos and customer-centric benefits could help them stand out in a crowded market. Awareness: The Silent Hurdle: While building societies are seen as community-oriented and approachable, many smaller societies struggle with visibility. Potential clients often base their choices solely on competitive rates rather than the unique values a society might bring. The Fix: Education through storytelling : Sharing real-life examples of how their flexible processes have helped customers could create a stronger emotional connection. Local engagement : Participating in community events and initiatives can foster loyalty beyond just competitive interest rates. Why It Matters: In an era of increasingly automated services, the personalised approach of building societies feels refreshingly different. However, to remain relevant, these institutions must evolve—support technology while retaining their human-first ethos. With the right mix of innovation and tradition, building societies can secure their place as both a trusted financial partner and a modern competitor. Final Thoughts: Building societies have carved out a niche in the financial world by focusing on what matters most: people. But to truly thrive, they must pair their bespoke service with the convenience of modern technology. By doing so, they can attract a broader audience while staying true to their roots. For those seeking financial services with a human touch, building societies remain a compelling choice. And with a bit of rebranding and technological uplift, they could very well become the financial institutions of the future.

The Bank of England (BoE) has once again found itself under the microscope following its recent decision on interest rates. As inflation remains stubbornly high and economic growth grinds to a halt, many were hoping for decisive action. Instead, the decision has left industry experts, businesses, and households scratching their heads. Has the BoE underestimated the urgency of the UK’s economic predicament? The Current Economic Climate The UK’s economy is teetering on a precarious edge. GDP growth is sluggish, consumer confidence is waning, and the cost of living crisis continues to strain households. Inflation, while showing signs of easing, remains above the BoE’s target. Against this backdrop, the Bank’s cautious approach to interest rates has been viewed by some as overly conservative. What the Decision Means for Businesses For businesses, particularly SMEs, the lack of decisive monetary policy could exacerbate existing challenges. Higher borrowing costs, coupled with stagnant consumer spending, mean that many enterprises are finding it harder to invest, expand, or even stay afloat. The construction and housing industries, in particular, are feeling the pinch as mortgage rates deter buyers and developers alike. Impact on Households The average UK household is already grappling with soaring energy bills and rising food prices. The BoE’s decision to hold rates steady might offer some relief to variable-rate mortgage holders, but it does little to address the broader economic malaise. For savers, the lack of a rate hike means fewer incentives to park their money in high-interest accounts, further eroding confidence in the system. The Critics Weigh In Economic analysts have been quick to voice their concerns. “This was a moment for bold action,” says one leading economist. “Instead, the Bank has opted for caution, which risks prolonging the economic downturn.” Critics argue that the BoE’s hesitancy reflects a lack of clear direction and an underestimation of the challenges facing the UK economy. What Could Have Been Done? Many experts had called for a moderate rate increase paired with targeted measures to stimulate growth. For instance, schemes to support business investment, tax incentives for innovation, or even direct interventions in critical sectors could have signalled a more proactive stance. Looking Ahead As the UK’s economic challenges persist, all eyes will remain on the Bank of England’s next move. Will the BoE rise to the occasion and implement measures to reignite growth, or will it continue its wait-and-see approach? For now, the consensus seems to be that the recent decision was a missed opportunity – one that the UK’s slowing economy could ill afford. Conclusion The BoE’s latest rate decision underscores the complexities of steering an economy through turbulent times. While cautious pragmatism has its merits, the UK’s current economic trajectory suggests that bolder action may soon be unavoidable. Until then, businesses and households must navigate these choppy waters with little more than hope and resilience. What do you think—brilliant caution or just another missed opportunity? Share your views in the comments below.

It’s official – inflation in the UK has ticked up to 2.6%. While that number might not seem terribly dramatic, for markets and investors, it’s the sort of headline that prompts a flurry of analysis, a few raised eyebrows, and perhaps a brisk walk to recalibrate investment strategies. So, what does this mean for you, the market, and your wallet? Let’s delve into the matter with just the right amount of British understatement. The Market Reaction: A Measured Panic When inflation creeps higher, central banks are often tempted to reach for the interest rate lever. This, in turn, makes borrowing more expensive and savings a bit more rewarding (finally, some love for savers). However, markets tend to get twitchy, fretting over how these moves might stifle growth. For now, though, it’s all rather muted. A 2.6% inflation rate is hardly cause for alarm bells. But it’s also not a figure to ignore, especially when the broader economic picture shows signs of persistent upward pressure on prices. Investors: Adjusting the Sails For investors, inflation presents a mixed bag. On one hand, it can erode the real value of returns. On the other, certain asset classes – think property, commodities, and inflation-linked bonds – tend to fare rather well. It’s a reminder that diversification isn’t just a buzzword; it’s a strategy. Everyday Impact: Rising Prices For those of us who don’t move markets but do need to buy groceries, inflation at 2.6% means higher prices for essentials. The cost of living pinch is real, and budgeting wisely becomes even more critical. What’s Next? Inflation is a bit like the weather – everyone talks about it, but predicting it is another matter entirely. Analysts are watching closely to see if this uptick is a blip or the start of a more sustained trend. Either way, a steady hand on your financial tiller is key. At 2.6%, inflation is a gentle nudge, not a shove. It’s a reminder to review your investments, keep an eye on the Bank of England’s next move, and perhaps cut back on that weekly takeaway (just for now). Want to stay ahead of economic trends? follow our Website more updates for the latest insights into markets, inflation, and how they affect your financial future.

It seems the Bank of England fancies a quiet moment, holding rates at 4.75%. While the markets take a breather, homeowners, savers, and property investors are left contemplating their next steps. Let’s unravel what this ‘pause’ means for the UK economy—and for you. 1. Borrowers: A Momentary Relief For borrowers, this pause is like the midpoint on a challenging hike—time to catch your breath before the next climb. With no immediate increases, mortgage rates hold steady. But should you act now to secure a fixed rate before potential future hikes? 2. Property Market: What Sellers Should Know The property market may find solace in this stability. Sellers might see more motivated buyers while mortgage rates remain unchanged. Buyers, however, should act cautiously—fluctuations could be just around the corner. 💡 Pro Tip: Consult your mortgage broker to understand your best options now. 3. Savers and the Pound: A Bit of a Letdown While borrowers may cheer, savers might continue sighing at their underwhelming returns. And the Pound? Expect it to act like a British summer day—calm now but with potential storms on the horizon. "The Bank’s decision to pause is a reminder to always prepare for the next twist in the economic landscape." "Whether you’re navigating mortgage rates, pondering property investments, or simply wondering when savers will catch a break, the Bank of England’s decision keeps us all on our toes. Remember: inaction today can mean missed opportunities tomorrow." Visit our website More resources : https://www.kushman.co.uk/ Visit our YouTube :