Funding life

Happy man talks to his teenage daughter in backyard.

Family life Funding life Your life

My adult child can’t afford to move out of home

Your adult child can’t afford to move out? You’re not alone, and there are steps you can take John’s dilemma: My child is not really a child anymore. Julie is 25, she has moved back in with me and my wife –...

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Colourful wooden direction arrow signs on a wooden pole

Family life Funding life Work life Your life

Planning goals and milestones you can stick to

<img width="24" height="24" data-src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo lazyload" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 24px; --smush-placeholder-aspect-ratio: 24/24;" /><noscript><img width="24" height="24" data-src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo lazyload" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 24px; --smush-placeholder-aspect-ratio: 24/24;" /><noscript><img width="24" height="24" data-src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo lazyload" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 24px; --smush-placeholder-aspect-ratio: 24/24;" /><noscript><img width="24" height="24" src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" />

Sam Harrington-Lowe

Funding life Work life Your life

A bit on the side? How to make money with a side hustle

Looking for ways to earn a bit of extra income? You might already have a hobby that could be making you extra dosh Whether you want to treat yourself, top up your savings or simply make your financial life run more...

Tips on how to keep Christmas costs down but still enjoy a bright and full festive season - on The Tonic www.thetonic.co.uk

Funding life Your life

Dreaming of a tight (but bright) Christmas

Panicking about how you’re going to afford to buy Christmas presents this year? We’ve got the answer… and it’s DIY Let’s start with the basics. If you’re the kind of person who usually sends a Christmas card to everyone...

Keep those bills down in winter - article on the Tonic www.thetonic.co.uk

Family life Funding life Your life

How to avoid a winter of discontent – and keep those bills down

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Avoid emotional problems in retirement The Tonic

Funding life Retirement Your life

How to avoid the emotional pitfalls of retirement

Funding retirement and university doesn't have to be the finacial strain you think. The Tonic - www.thetonic.co.uk

Family life Funding life Retirement

The sandwich generation: Funding retirement versus paying university fees

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Pension Buddy and The Tonic

Advertorials Funding life Retirement Your life

What is Pension Buddy and why am I seeing it on the Tonic?

<img width="24" height="24" data-src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo lazyload" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 24px; --smush-placeholder-aspect-ratio: 24/24;" /><noscript><img width="24" height="24" data-src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo lazyload" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 24px; --smush-placeholder-aspect-ratio: 24/24;" /><noscript><img width="24" height="24" data-src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo lazyload" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 24px; --smush-placeholder-aspect-ratio: 24/24;" /><noscript><img width="24" height="24" src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" />

Sam Harrington-Lowe

How to avoid depression after retirement - The Tonic www.thetonic.co.uk

Family life Funding life Retirement

How to avoid becoming depressed in retirement

<img width="24" height="24" data-src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo lazyload" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 24px; --smush-placeholder-aspect-ratio: 24/24;" /><noscript><img width="24" height="24" data-src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo lazyload" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 24px; --smush-placeholder-aspect-ratio: 24/24;" /><noscript><img width="24" height="24" data-src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo lazyload" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 24px; --smush-placeholder-aspect-ratio: 24/24;" /><noscript><img width="24" height="24" src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" />

Sam Harrington-Lowe

The psychology of setting small goals article on The Tonic www.thetonic.co.uk

Funding life Retirement Work life Your life

The psychology of setting small goals for big wins

<img width="24" height="24" data-src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo lazyload" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 24px; --smush-placeholder-aspect-ratio: 24/24;" /><noscript><img width="24" height="24" data-src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo lazyload" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 24px; --smush-placeholder-aspect-ratio: 24/24;" /><noscript><img width="24" height="24" data-src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo lazyload" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 24px; --smush-placeholder-aspect-ratio: 24/24;" /><noscript><img width="24" height="24" src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" />

Sam Harrington-Lowe

Omicron Christmas - should we be in lockdown The Tonic www.thetonic.co.uk

Funding life Work life Your life

Omicron for Christmas – should we be in lockdown?

Dog keeping warm in blankets for The Tonic www.thetonic.co.uk

Family life Funding life Your life

7 ways to stay warm and save money this winter

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Carly Pepperell

Christmas present for The Tonic www.thetonic.co.uk

Family life Funding life Your life

Save money at Christmas without losing the magic

British money for earning money in retirement article www.thetonic.co.uk

Funding life Retirement Uncategorized Work life

How to make some extra money in retirement

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Carly Pepperell

MAking a death file for loved ones The Tonic www.thetonic.co.uk

Family life Funding life Your life

Unlocking your afterlife – how to make a death file before you die

Mature carpenter working with wood for article on The Tonic www.thetonic.co.uk

Family life Funding life Work life Your life

Lockdown was tough for many, but there are some success stories…

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Carly Pepperell

How to avoid holiday scams - The Tonic www.thetonic.co.uk

Family life Funding life Your life

How to spot and avoid holiday booking scams

<img width="24" height="24" data-src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo lazyload" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 24px; --smush-placeholder-aspect-ratio: 24/24;" /><noscript><img width="24" height="24" data-src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo lazyload" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 24px; --smush-placeholder-aspect-ratio: 24/24;" /><noscript><img width="24" height="24" data-src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo lazyload" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 24px; --smush-placeholder-aspect-ratio: 24/24;" /><noscript><img width="24" height="24" src="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-24x24.jpg" class="avatar avatar-24 photo" alt="" loading="lazy" data-attachment-id="1922" data-permalink="https://www.thetonic.co.uk/?attachment_id=1922" data-orig-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" data-orig-size="400,400" data-comments-opened="1" data-image-meta="{"aperture":"1.8","credit":"","camera":"iPhone 7","caption":"","created_timestamp":"1525259923","copyright":"","focal_length":"3.99","iso":"64","shutter_speed":"0.0588235294118","title":"","orientation":"1"}" data-image-title="Sam Harrington-Lowe" data-image-description="" data-image-caption="" data-medium-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe-300x300.jpg" data-large-file="https://www.thetonic.co.uk/wp-content/uploads/2018/12/Sam-Harrington-Lowe.jpg" role="button" />

Sam Harrington-Lowe

Funding life Work life Your life

‘We don’t hire people like you’: what happens when you’re out of work and 50-something

Retirement hierarchy The Tonic www.thetonic.co.uk

Funding life Retirement

The retirement hierarchy of needs. Where are your priorities?

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Funding life Retirement Work life

Risk and reward. What are the right investments for you?

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Manage investment during coronavirus The Tonic www.thetonic.co.uk

Funding life Retirement Your life

Human behaviour being what it is, sometimes we need protecting from ourselves

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In charge of your own pension The Tonic www.thetonic.co.uk

Funding life Retirement Your life

You’re in charge of your own pension now. Do you know how it all works?

<img alt='' data-src='https://secure.gravatar.com/avatar/89c7d504fb68dc71b451d3ebbbfd7bf9?s=24&d=mm&r=g' class='avatar avatar-24 photo lazyload' height='24' width='24' loading='lazy' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' style='--smush-placeholder-width: 24px; --smush-placeholder-aspect-ratio: 24/24;' /><noscript><img alt='' data-src='https://secure.gravatar.com/avatar/89c7d504fb68dc71b451d3ebbbfd7bf9?s=24&d=mm&r=g' class='avatar avatar-24 photo lazyload' height='24' width='24' loading='lazy' src='data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==' style='--smush-placeholder-width: 24px; --smush-placeholder-aspect-ratio: 24/24;' /><noscript><img alt='' src='https://secure.gravatar.com/avatar/89c7d504fb68dc71b451d3ebbbfd7bf9?s=24&d=mm&r=g' class='avatar avatar-24 photo' height='24' width='24' loading='lazy' />

How to book a Pension Wise meeting The Tonic www.thetonic.co.uk

Family life Funding life Retirement Work life Your life

I booked a Pension Wise appointment, and found out what my future held

Scams during coronavirus times The Tonic www.thetonic.co.uk

Family life Funding life Your life

It’s scam open season. Corona con artists and how to beat them

Vanessa Holburn