In celebration of International Women's Day 2026, the team at a local financial advisery firm shared the essential financial tips they wish they'd known earlier.

For those looking to enhance their financial knowledge, here are Simpson Financial Services Ltd's top tips.

1. Bank round-up feature

Firstly, Lauren shared that she wished she knew about her bank's round-up feature sooner.

This enables her to spend from her everyday current account and rounds payments up to the nearest pound.

The rounded up funds are then placed into a savings account which will slowly build up over time.

2. 'Boring is profitable'

This next tip comes from Natasha and is all about saving on the everyday items.

Bringing packed lunches to work, making coffee at home and re-wearing the same outfits can help you save money.

This can then be used for the more exciting purchases, with saved pennies going towards buying your first property or going on that once in a lifetime holiday.

'Being boring now, means you can be exciting later.'

3. Start investing now

Investing is something anyone and everyone can do, making it Abbie's top tip.

Whether you have £20 a month to put away or just £2, "it all makes a difference."

The sooner you start to invest, the sooner you can start earning the rewards.

4. Understand the concept of paying yourself first

Sharing her tip, Sophie said, when she started treating her savings as a non-negotiable bill and paying it to her account first, she was able to save much more.

5. Overpay on your mortgage

Adele said that making over-payments on your mortgage is something she wishes people did sooner.

This can be from as little as £50 per month, which would make a huge difference in the long run.

6. Save an emergency fund

Next, Ashlea shared her top tip.

She advised saving an emergency fund, which you can keep in a separate account and top up every month.

7. Use a finance app like Plum

Zoe shared that she wished she had used a finance app, like Plum, much sooner.

This app works by automating things such as deposits, investing, or stash
cash in a high-interest pocket which you can track.

It also tracks spending and allows you to set financial goals,
and tweak things anytime.

Find out more about the app here.

8. Save into a Stocks and Shares ISA

Finally, Hannah said that saving into a Stocks and Shares ISA is something she should have done sooner.

A Stocks and Shares ISA (Individual Savings Account), sometimes called an investment ISA, is a tax-efficient account that allows UK residents over 18 to invest up to £20,000 per tax year in the stock market without paying income tax or capital gains tax on the returns.

For more financial advice from Simpson Financial Services Ltd or to enquire about its services, call 0800 634 211 or email [email protected].

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