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Around 40% of self-employed workers are actively saving for retirement, according to research8. This leaves three in five who could be missing out on crucial peace of mind and tax benefits.  Compared to employees, who have the certainty of employer pension contributions, self-employed workers, contractors, freelancers and business owners face a unique set of challenges. Here’s how to look after number one and make your retirement savings a priority.  Pay yourself first  The reality for self-employed workers is that retirement planning requires more personal ownership and discipline. Irregular or fluctuating earnings can make long-term saving feel less urgent or harder to prioritise.   To combat this tendency, it is a good idea to treat pension or retirement contributions like

We all know that putting things off is all too easy. Is ending financial procrastination one of your goals for 2025? What is financial procrastination? Broadly speaking, financial procrastination refers to a tendency to delay or avoid financial decisions or tasks. Its impacts range from paying bills late to avoiding getting started on retirement planning. In the busy modern world, it’s easy to overlook your financial to-do list. Other causes of financial procrastination include stress and confusion around managing money. Putting off financial tasks can impact more than your money: studies have linked procrastination to negative health outcomes such as depression and anxiety. Signs you’re a financial procrastinator The first