A Self Invested Personal Pension (SIPP) is a pension plan that allows people to decide exactly how they want their savings to be invested.  Funds can be built up in a SIPP over a period of time using either regular or one-off payments, and savers can manage and change their investments as they see fit.

As we move out of the first weeks of 2012, for many people, the feeling continues that prices are rising far faster than salaries, and the latest round of public transport increases is just another factor in how the cost of living is taking up more of peoples’ income than ever.

Saving money is hard. We know, because we've done it. Over the course of 2 years, we saved enough money to live our dream of travelling around the world. We are certainly not rich, but we actively made the choices it takes in order to make this the number 1 priority in our lives and adjusted ALL our spending to ensure we could hit our goal.