A Year With Yours - Yearbook 2023: From Your Favourite Magazine (A Year With Yours: The Official Yours Magazine Yearbook)

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Over half of respondents said tax limits were restricting what they could invest into their pension, with 28 per cent capped out entirely and a further 23 per cent restricted by the annual allowance taper.

The Labour party has promised to tighten the UK’s windfall tax on oil and gas giants and use the proceeds to reduce household energy bills. It also plans to accelerate the rollout of clean energy to reduce the UK’s reliance on volatile fossil fuel market prices. My pot for school fees is shrinking fast. Hopefully I will be out of it before Labour get in and add VAT, which would push me over the edge,” said one reader in his fifties. How to use: Shake well before use. Spray directly on the area to be cleaned. Leave for 60 seconds and then wipe clean. Financial services has always been [an] insecure industry with the risk of losing your job at very short notice, therefore I always prefer to have cash on hip,” another reader commented.

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However, consumer campaigners heaped criticism on the Treasury for failing to put forward measures to help hard-pressed households pay their energy bills or insulate their homes. However, younger survey respondents tended to have designs on spending, rather than saving, any extra cash. There was a notable drop in the number of readers who intend to invest part of their bonus money in crypto (2 per cent, versus 7 per cent last year). The results of our annual bonus survey show that even the wealthy are managing their personal finances more cautiously as the risk of recession looms. This year, readers are much more likely to be stashing their bonus cash rather than splashing out on luxuries.

In this year’s survey, 31 per cent of respondents said they expected their bonus to be less or substantially less, and a further 25 per cent thought it would be about the same as last year. Not expecting ever to get another pay rise,” said one banker in his forties. “The question is, will the banks have the balls to cut very high base salaries?” added another banker in his forties. Radical change is needed - nothing less. Investment and prioritizing in a clean and safe mobility system for people, co-designed with youth, will bring many benefits: saving young lives, combating poverty, reducing pressure on healthcare systems, improving air quality amongst so much more. You can learn more about this in our published policy papers and the YOURS Academy. When we asked readers about their biggest financial priority for their bonus money, just over half (53 per cent) said they planned to invest it, down from 58 per cent last year. In the detailed comments, plenty mentioned the attractiveness of dividend paying shares and other income-producing assets in tough times.The Yours team have planned a fantastic weekend of fun at the much loved Alvaston Hall in Cheshire this April, and we would love to see you there.