Hi, I'm heather!

Heather Katsonga-Woodward, Author & Investor

​Welcome to K. Woodward personal finance!

Since 2005, I have been passionate about personal finance and sharing my knowledge and insights with others. Through years of blogging, podcasting and immersing myself in the world of personal finance, I have developed a deep understanding of the subject and acquired a wealth of experience.

As an avid reader of personal finance books, I explore countless resources to expand my knowledge and stay up-to-date with the latest trends and strategies. This continuous learning has empowered me to provide valuable and actionable insights to my readers.

Teaching is at the core of my passion. Witnessing those "aha moments" when individuals grasp important financial concepts is incredibly rewarding. I strive to break down complex ideas into easily digestible information, ensuring that everyone can benefit from the insights I share.

My goal is to actively connect with you on your financial journey. Whether you're just starting out or looking to take your financial health to the next level, I am here to guide and support you. Together, we'll explore various aspects of money, from budgeting and saving to investing and retirement planning.

I believe that financial well-being is within everyone's reach and is crucial for maintaining mental well-being too, and my mission is to empower you with the tools and knowledge necessary to achieve it. By implementing sound financial principles and making informed decisions, you can transform your financial life and pave the way for a brighter future.

Thank you for joining me on this exciting adventure. I look forward to sharing valuable insights, engaging in meaningful discussions, and helping you embark on a successful financial journey.

Let's make personal finance not just a subject to study but a catalyst for positive change in our lives!

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Package 1: Financial Foundations	Package 2: Estate Planning	Package 3: Investment Setup
a) Budgeting Creating a practical monthly budget tailored to your goals. Identifying areas to save. Setting up budgeting tools or apps.	a) Financial Independence (FI) Date Setting a realistic target for FI. Back-calculating monthly savings. Identifying steps to accelerate FI.	a) Understanding Investment Platforms Comparing platforms based on fees and usability. Reviewing account types (GIA, ISA, SIPP). Choosing a platform for your goals.
b) Debt Management Prioritising high-interest debts for repayment. Strategies to consolidate or refinance. Building habits to stay debt-free.​	b) Saving for Kids' University Fees ​Estimating future costs. Exploring tax-efficient savings plans. Balancing education savings with priorities.	b) Understanding Fees Breaking down platform, fund, and management fees. Evaluating how fees impact returns. Minimising costs.
c) Personal Balance Sheet - Listing all assets and liabilities. - Understanding net worth and tracking its growth. - Identifying opportunities to grow assets.	c) Saving into Kids' Pensions Tax benefits of contributing to children’s pensions. Projecting long-term growth. Explaining how this reduces your inheritance tax.	c) Passive vs. Active Investing Understanding index funds and ETFs for passive strategies. Reviewing pros and cons of active management. Choosing the right strategy.
	d) Saving into Your Pensions Exploring workplace vs private pension options. Contribution limits and tax relief. Balancing pension savings with other goals.	d) Range of Asset Classes Exploring stocks, bonds, real estate, and alternatives. Diversifying for risk management. Assessing liquidity and growth potential.
	e) Saving into ISAs Reviewing types of ISAs (Cash, Stocks and Shares, Lifetime, etc.). Maximizing annual ISA allowance. Investing for tax efficiency.	e) Risk Tolerance & Risk-Return Relationship Assessing capacity and willingness to take risks. Linking risk to expected returns. Understanding the historical context.
	f) Paying Off Your Mortgage Evaluating overpayment strategies. Timing payments with goals. Understanding remortgaging options.	f) Setting Up Automated Investing Automating regular contributions. Using dollar-cost averaging. Emphasizing "time in the market."
.	g) Projecting Future Savings ​Using growth assumptions (Rules of 72 and 4% rule). Modelling scenarios with different savings rates and return rates. Estimating retirement income.
Package 1: £499  (click link to pay; enter amount manually)	Package 2: £499  ​(click link to pay; enter amount manually)	Package 3: £499  ​(click link to pay; enter amount manually)

• There are two calls of about an hour each, per package. Some reading will be required at each stage.
• ​Packages need to be taken sequentially.

See my latest posts on: 

Financial well-being is within your reach...

There are over 500 blogs on this site, click here for my * Latest blog posts *

For older posts, choose one of the below:

• Q&A: How can I save and invest for my children?
• What platform should you use for investing and what should you invest in? 
• Q&A: How do I get my refund fast?
• Why you need a will even if you have no assets or no children
• What is life insurance? How much life insurance do I need?
• Should my 'bonus' go into my ISA, personal pension or work pension?
• ​Q&A: How do I boost my retirement income if I can’t work?
• Q&A: Where should I start with investing if I'm afraid of risk?​
• Life in Old Age, Pensions And Poverty In The UK – What Does It Look Like?
• The wealth of black people in Britain and factors hindering financial success
• Mortgages Create Wage Slavery 
• ​Buy That House Anyway - Insurance Against Poverty​​

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