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    Why Disruption Can Be Good for Your Finances

    Rebecca Daly

    Most of us dislike disruption. It’s frustrating when our routine gets interrupted, but every so often, disruption can bring surprising benefits.

    Think about the changes many of us experienced during the pandemic. Overnight, commuting routines disappeared, office life was transformed, and people had to find new ways of working. At first, this was unsettling. But over time, many discovered unexpected positives: less time on trains, more time with family, and a chance to rethink priorities. Some of those changes have stuck permanently.

    The lesson is clear: disruption can force us to pause, step back, and reconsider whether the way we’ve always done things is still the best way forward.

    The same psychology applies to our finances.

    Financial habits are easy to fall into. You might be saving, investing, or spending in patterns that made sense when you first set them up, but may not be the most effective today. Sometimes it takes a big external event, like rising interest rates or a change in government policy, to prompt us to review things. But waiting for disruption isn’t always the best strategy.

    Consider an Autumn Financial Health Check

    September often feels like a “second New Year.” The holidays are behind us, children are back at school, and routines settle in again. With four months left until year-end, it’s the perfect time to step back and take stock.

    A simple financial health check might include:

    Even small adjustments now can make a meaningful difference by the end of the year.

    Turning Disruption into Progress

    Just as disruption to daily routines can reveal a better commute, a disruption to your financial routine – even a voluntary one, like an annual review – can highlight opportunities to improve.

    The good news is you don’t need to wait for external forces to push you into action. Working with a Financial Planner gives you the chance to step back, see the bigger picture, and be challenged to think differently about your money. A good Financial Planner won’t just confirm what you’re already doing; they’ll question assumptions, highlight blind spots, and encourage you to consider routes you might not have taken on your own – whether that’s making better use of tax allowances, adjusting your investment strategy, or rethinking your long-term goals.

    Sometimes a little disruption is exactly what we need. And with four months still to go in the year, the support (and challenge) of a Financial Planner can help ensure the progress you make is both meaningful and long-lasting.

    The value of your investments can fall as well as rise and is not guaranteed.

    Rebecca Daly
    About the Author

    Rebecca has worked in Financial Planning since 2018 and holds the CISI Level 6 Certificate in Advanced Financial Planning. As a paraplanner, she supports advisers in creating bespoke client reports and solutions, as well as writing monthly articles on Financial Planning topics. Based in the Cotswolds with her husband and dog, Milo, she enjoys pilates, long country walks, and is a keen skier whenever she gets the opportunity.

    View all of Rebecca Daly's articles