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January 2023

CONTENTS

Home & Property 2 LARRY SPEARE 3 Mortgages 4 plymouth 8 kf kitchens 11 tor view clinical rooms

Health & Leisure 12 plymouth advice services 14 cervical cancer week 16 plymouth market 20 what’s on guide 21 wintery dog walks 22 health & wellbeing

Food & Drink 24 Food Directory 25 boringdon 26 recipes 28 shapla balti cuisine 28 competition

Law & Finance 29 higos insurance 30 mike legassick 33 hm williams 4

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FROM THE EDITOR

appy New Year! I hope you’ve all had a lovely Christmas and are excited about what 2024 will bring.

We are starting this year off with a great edition of OM from business profiles to editorials and some Veganuary recipes. We’ve collaborated with the vegan restaurant, Cosmic Kitchen, for this month’s competition prize. We hear from Lee Grant and learn about the exciting new service, Plymouth Advice and Support Service, which is a phenomenal, unique venture that will benefit a lot of people. Meet 14 of your local independent businesses that have set up shop in the Plymouth Market. Find out a bit more about them and discover something new. Mike LeGassick talks all about navigating financial challenges to ensure you can retire comfortably. He also speaks about his new book, Mind Over Markets’ which goes into more detail about finance advice and investing. Our front cover this month, K.F. Kitchens, tell us the story of how the team created Val’s joyful kitchen and made her dreams come true.

Start the year gently with some health & wellness tips and ideas with Space To Move. Have a great start to the year!

Abigail Abigail Jones

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Val's 'joyful' kitchen is a dream come true

t’s one thing having a vision for your dream kitchen, it’s another thing entirely to find a firm that will turn your vision into reality. But after seeing the stunning kitchen that Plymouth family firm KF Kitchens designed and fitted for a neighbour, Val from south east Cornwall had every confidence they’d be able to meet her high expectations. “In fact, they’ve more than met them, they’ve gone beyond them,” said Val. The journey began with a visit to the firm’s extensive showroom at Faraday Mill and a chat with kitchen designers Nathan and Derinda Damarell. Val then invited Nathan to her home to discuss the design in detail: “Although we had a very clear vision, we wanted Nathan to suggest other possibilities,” which he did.

“He showed us things that we might not have thought about. But we really wanted to do that so we could confidently confirm our original vision. Nathan was more than happy to go along with what we wanted, and he enabled us to create our vision. But equally, if we didn’t have a vision, he would have helped us to create one. Once we had the basic layout and idea, everything was put onto the computer so we could see. We could then see what it would look like with different handles and different colours. We had print-outs of four different options which we put on our old fridge freezer, which we whittled down over time to our final choice. That was nice too, the way we had time and space to make our decisions. We never felt pressurised at all.” Val chose a Nolte kitchen in Oak Barolo, with Miele appliances and Silestone worktops, Blanco sink, Quooker tap, and engineered oak flooring. The appliances include a combination conventional oven and steam oven, a warming drawer, and a coffee maker, while the induction

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HOME & PROPERTY

hob on the island has an integral extractor. “We’ve lived here for 10 years and what we had before was totally different,” explained Val. “The sink was in a different place and the island was the other way round and took up a lot of room. By moving the new one around by 90 degrees, it has created a lot of space.” Further space was freed up by removing part of the wall adjoining the utility room, which has also been renewed by KF Kitchens. This extra space in the kitchen is now home to the integrated fridge, freezer, and wine conditioner: “The re-organisation makes the room a lot bigger,” said Val, “and when I’m cooking, everything now feels ergonomically correct. It’s revolutionised how I cook.” The new appliances have also changed the way she cooks. KF Kitchens arranged for Val to go to the Miele Experience in London, and she said: “We were cooked a threecourse meal by the chef, to show us the possibilities of Miele ovens, and the food was beautiful. The experience made me re-look at how I cook and what I need and don’t need in the kitchen. It’s given me a different mindset. I absolutely love the steam

oven, that’s been eye-opening. I’d never have thought about having a steam oven but now, I use it all the time.” The new kitchen has also made a big difference to how she uses the space: “We are spending much more time in the kitchen, and it’s actually a joy to cook. And we’ve future-proofed ourselves. It’s not just the quality of the kitchen and the appliances. Economically, because the appliances are energy-efficient, I’ve noticed the difference when I check the smart-meter.” All the work was done by the skilled contractors that KF Kitchens have worked with over many years and Val said: “They were wonderful. It was actually a pleasure having them here in our home. Nothing was a problem, whatever we asked, Nathan said ‘yes, we can do that’ or ‘my team can do anything’. They were flexible and happy to fit in with us. For example, the fitters, Kevin and Wayne, custom-made a cupboard for us to house our boiler in the utility room, and they came up with a solution when we said we wanted to fill in the space between the oven units and the ceiling. Nathan and Dee made the whole experience fun,

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and all their team were excellent.” So, if she had three words to sum up her new kitchen what would they be? “Beautiful, up-market, practical. Oh, and can I have a fourth word? Because what I think really sums it up is ‘joyful’. Every morning, I come in here and I smile.” And would she recommend KF Kitchens to other people looking for a “joyful” kitchen? “Absolutely. I couldn’t recommend them highly enough. In fact, I already have recommended them!” KF Kitchens is an ambitious, local, family business that is pushing the boundaries of what is possible in a kitchen. From the moment you walk through the door of their studio, everything becomes possible and available to you, to achieve your dream kitchen. How is this possible? For a quick look, check out their website (www.kfkitchens. co.uk), social media on Instagram (@kfkitchens) or Facebook. Book a consultation in their studio, either by email (enquiries@kfkitchens.co.uk) or phone (01752 255022), and make your first steps towards your dream kitchen today!

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Plymouth Advice and Support Service (PASS) Seeing a gap in the market, Lee Grant has created a unique service that provides comprehensive support and guidance to individuals navigating the complexities of dealing with organisations. This innovative venture is family run and seeks to ensure people receive a fair and highly personalised service.

aving had an extensive professional background spanning 25 years in the NHS, Lee’s expertise lies primarily in Operational and Project Management and Procurement which by definition means negotiating terms with various organisations, including writing tenders to bid for projects and contracts. Lee has written successful tender bids in both the NHS and private commercial sectors. This breadth of experience, including being Head of Communications and PR at an NHS Trust, a GP practice manager as well as in Crisis Management has equipped Lee with a deep understanding of how large organisations work and the ability to navigate complex and challenging scenarios.

“PASS stands as a testament to the power of personalised support and empathy for those that need it. It will support them every step of the way” Taking a leap of faith, Lee decided to step away from the security of NHS employment to create 12

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Plymouth Advice and Support Service (PASS) to be the solution he feels is so desperately needed. This passion has stemmed from supporting a close relative, who suffers with a long-standing mental health condition. They had come into contact with multiple services over the years who didn’t provide the help and answers required. This was where Lee had a light bulb moment and recognised the lack of support for those who do not have a support network to help and guide them when trying to deal with organisations. Technology is dominating the way things are handled these days, with more and more things you can only do online, whether that’s booking a doctor’s appointment, filling in a form or chatroom helplines. Lee’s objective is to help

Lee Grant, Director those who aren’t confident with their way around the internet and the digital world, who need help filling in forms, writing complaint letters, benefit applications or helping to fill in Small Claims court forms on behalf of those in need. The objective is clear—to bridge the gap for those in need of personalised support.

“If you find yourself banging your head against the wall or are not sure where to start, let PASS be your friend and support” PASS offers support, guidance and expertise to people dealing with any organisation; Sky, HMRC, your local Council, BT, your GP Practice, the NHS, utility companies; it really is anything and anybody! If you believe you’re eligible to claim a benefit but the rigmarole of trying to find and complete the claims form is putting you off, then Lee can assist with filling in the paperwork. Recognising that some people get stressed with form filling and especially online forms, Lee offers a unique home visit service.

HEALTH & LEISURE The home visits are a valuable option Lee wanted to bring into this service as there are many factors he’s considered as to why people will need help; their age, physical or learning disabilities and there are a lot of people who aren’t tech savvy. A home visit of up to two hours can be used to help complete important letters, sitting in and supporting if you’re having a benefits assessment or even if you have an important or difficult telephone call; Lee will be the moral support and the hand you hold through it. A home visit with one letter starts from just £69, which includes the research, phone calls, production of the letter and of course, the home visit. Home visits are available in Plymouth and surrounding areas although geographically, PASS can offer advice across the South West and beyond, showcasing Lee’s willingness to go the extra mile to provide invaluable assistance. All staff have a clean DBS check which means they are cleared to work with vulnerable adults.

“A commitment to personalised, in-person support, sets PASS apart in a digital age” In whatever way you want to use PASS, the first thing will be to ascertain the issue at hand, what’s happened so far and discover the desired outcome you’d like. Initial contact with PASS is not only straightforward but also free of charge, allowing individuals to assess their needs and determine if there is common ground to move forward. There are many ways to get in touch with the Plymouth Advice and Support Service which are via email, Facebook, the website or by telephone which is contactable 7 days a week.

People who are already within the care or support of a statutory organisation may be eligible for funding to use PASS and would need to check with their provider. There are pots and funding for this kind of help which was something Lee had discovered when dealing with a client who was referred to him by another organisation. The values that underpin PASS reflect Lee’s deeply ingrained commitment to fairness, equality, customer service, advocacy and opening up opportunities. These values serve as the backbone of the service, allowing it to make a meaningful impact on the lives of those it serves. It’s very early days for PASS as the service was only launched in November 2023, but there are already agreements in place with a number of agencies for PASS to help the clients that they are unable to see. As the service grows and evolves, Lee will remain committed to making a positive difference in the lives of individuals facing the challenges of dealing with organisations.

“If in doubt, just give me a no obligation call and we will see if there’s something I can help with.”

Prices Letters (including writing complaints for you) One letter without a home visit

£49

One letter with a home visit

£69

Four letters without a home visit

£179

Four letters with a home visit

£189

Online Forms Without a home visit

£69

With a home visit

£89

Benefit Applications Without a home visit

£69

With a home visit

£89

These are indicative prices and you will receive a specific quote for your needs

Lee Grant with a client

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HEALTH & LEISURE

CERVICAL CANCER PREVENTION WEEK

Know the symptoms of cervical cancer

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HEALTH & LEISURE

his year, Cervical Cancer Prevention Week is focusing on reducing the risks of the disease through screening. Despite the 5 minute smear test preventing up to 75% of cervical cancers, 1 in 4 women do not attend this potentially life-saving appointment. Cervical cancer prevention week is run by Jo’s Cervical Cancer Trust, and runs from Monday 22nd to Sunday 28th of January. With Plymouth cited as one of England’s lowest areas of uptake by the NHS, we look at why screening is so important.

In 99.7% of cases, cervical cancers are caused by persistent high-risk human papilloma virus (HPV) infections. HPV is a common virus transmitted through skin to skin contact in the genital area; with around 80% of sexually active adults picking up an infection at some point in their lives. However, for a majority of women, this doesn’t result in cervical cancer. During a life course, a woman’s cervix also undergoes many natural changes and, in rare cases, these changes can see the cells lining the cervix become cancerous. Fortunately, cell changes in the cervix can be detected at a very early stage and treatment can reduce the risk of cervical cancer developing.

Cancer of the cervix often has no symptoms in its early stages. If you do have symptoms, the most common is unusual vaginal bleeding; which can occur after sex, in between periods or after the menopause. Other symptoms of cervical cancer may include pain and discomfort during sex and an unpleasant smelling Quote OM when responding to adverts

vaginal discharge. While these symptoms don’t mean you definitely have cervical cancer, they should be investigated by your GP as soon as possible.

As with any cancer, it is best to catch the disease early, making it important to get all potential symptoms checked out.

women are diagnosed with the disease a day

Every year, thousands of women between the ages of 25 and 64 are invited to cervical cancer screening appointments across the UK. You will receive a letter in the post, asking you to book an appointment at your doctors surgery and you can ask to have a female doctor or nurse if you prefer.

One in three women miss their smear test appointment due to embarrasment. The screening test itself is simple; a small sample of cells from the cervix is collected and checked under a microscope for abnormalities. While some women find the procedure a bit uncomfortable, for most it’s not painful - the key thing to remember is to relax, as the process takes just 5 minutes and could save your life! Within 2 weeks, you should receive your results from the lab; 95% of results will be normal and for the small percentage that aren’t, the vast majority can be treated very easily and will never develop into cancer. Despite these statistics, almost half a million young women aged 25-29 did not attend their cervical screening last year. This year, Jo’s Cervical Cancer Trust’s #WeCan campaign aims to make

women lose their lives to the disease every day

75%

of cervical cancers can be prevented with a smear test

cervical cancer a thing of the past. Jo’s Cervical Cancer Trust is dedicated to cervical cancer in the UK, and during the prevention week, the charity looks to raise recognition of the disease and it’s prevention. With public knowledge and understanding of cervical cancer prevention, causes and treatments generally low, the Cervical Cancer Awareness Week aims to help raise recognition of cervical cancer through a range of initiatives and events throughout the UK.

For support, or to donate please visit www.jostrust.org.uk or phone 0808 802 8000 for more information. OMPLYMOUTHMAGAZINE.CO.UK

HEALTH & LEISURE

Plymouth Market is an iconic indoor market, popular with locals and tourists but often people are unaware of what’s inside. The Market has a huge range of traders, old and new, all from local people offering a very personal service and something unquie. Come and meet some of your local traders.

he 36,000 sq. ft Grade II listed Market hall, complete with its unusually waved roof, is best appreciated in person to understand the beauty of the building and what’s inside. Open six days a week, Plymouth Market is the perfect destination to browse and find a bargain, relax and refuel with award-winning food stalls and you can even end the day pampering yourself at the therapy/ beauty stalls. Located in Plymouth’s West End there is over 140 stalls, eateries and cafes and we were lucky enough to meet 14 of them!

“There’s something for everyone – what will you discover?”

but was taken over by Leigh and his partner Claire in 2010. The couple had already been working at the engravers since 1998, so when the opportunity came knocking, they couldn’t resist and have doubled in size since ownership. Whilst offering bespoke engraving, jewellery and watch repairs, Coronet Engravers also offer a large range of trophies, signs and plaques for all occasions which can be individually tailored to your needs. They also offer to source and make specific items for customers too. Leigh and Claire have seen many changes in the market over the years but what they enjoy most is the amount of niche brands and fabric stalls available. Visit their website: www.coronetengravers.com

Leigh, Coronet

Around about 15 years ago, the duo introduced steel-toed boots as it was heavily requested by workmen working in the area and soon enough, they leaned into the new venture and offered a range of workwear. This then led to the rebranding, AHF Workwear | Slippers. Of course, staying true to the stall’s origin, Adam and Heidi still stock and sell slippers, with their most popular product being their handmade Moccasin slippers, which are made in the UK. They are the only place in Plymouth that sells these beautifully handcrafted slippers and they are one in only four places in the whole country! Interesteing fact: Adam has been working in Plymouth Market since he was just 10 years old. He started out working in the stall directly opposite in his mum and dad’s store, The Bookstore. Adam is proudly a member of the last original family run store in the market.

Engravers

Visit their website: www.ahfworkwear.co.uk

Coronet Engravers, a shop that has remained in the same spot since 1959, 16

Previously known as Slippers, Adam and Heidi bought the stall from the previous owners 18 years ago and have expanded the size and stock range.

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Ada

eidi, m & H

orkwea

AHF W

of incorporating an extensive range of chocolate and sweets, including, a wide variety of chocolate-covered nuts, liquorice, Turkish Delights, boiled sweets, and the list goes on. But the most popular of all and an irresistible smell to match are the Honey Cashews and Honey Cinnamon cashews.

Shirley, Peta

ls Florist

Petals Florist has been an integral part of the Plymouth Market for the last 22 years. Shirley began her floristry journey back in 1986 in the local Co-op stall, Petals, which sadly closed in January 2001. Petals, however, remained and continued to flourish and relocated as an independent shop in the market.

We asked Matthew what are the hidden gems of the market and without any hesitation, for him, it has to be the fantastic selection of food stalls offered. Visit their website: www.bryantfoods.co.uk

Choosing the market as their base to continue the thriving business made sense as the rent is reasonable and there is security circulating the premises which makes it a safer place. Offering an extensive selection of fresh flower arrangements & bouquets, they can create something beautiful for any occasion such as Weddings, Funerals, Birthdays and more or if you’re after something similar, they offer fresh bunches of flowers. Visit their website: www.petals-florist.co.uk

nnah’s

rah, Ha

& Sa Karen

Mother and daughter duo, Karen and Sarah, joined forces to embark on a journey together in the world of business. Having worked through ranks in the NHS, Karen felt the need for a change when she saw an advertisement in the stall that the previous owners were selling. Not one to pass up the opportunity to start a small business, Karen made the choice in 2012 to just go for it.

Matthew, The Nut House In 2014, trained florist, Matthew was looking for a career change when he just so happened to see The Nut House advised for sale. Taking a leap of faith, Matthew swapped his floristry scissors for nut assortments and hasn’t looked back. Wanting to expand and diversify the stall, he made the exceptional choice

Keeping to the core of the original stall, they still offer bespoke walking sticks which are measured, cut and adjusted to meet the needs of the customer.

Bob, C

ars &

Bears

An Aladdin’s Cave for all things collectable, Cars & Bears has been proudly positioned in the middle of the market for almost five years. Being an avid collector himself, Bob attended many toy fairs over the last 30 years but due to personal circumstances, he had to take some time out to look after a relative.

They have also added further accessories to the stall such as an impressive range of over 30 different wallets, seasonal hats and a large variety of handbags.

Making his passion his career, Bob took the initiative to open a stall in the market and within the last four years, he has knocked three stalls into one to keep up with demand. He was seeing people from all around the country who have especially made the trip to get their hands on the rare items. It wasn’t until 2019 whilst away in Australia that his sister introduced the bears.

Visit the shop: Stall 116, Plymouth Market

Visit the shop: Stall 79-95, Plymouth Market

www.plymouthmarket.co.uk

Plymouth Market, Cornwall Street, Plymouth, PL1 1PS Quote OM when responding to adverts

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Jodie, Maurish Mauritian street food vendor ‘Maurish’ has been in the Plymouth Market for just over a year and has already made quite the impression with Jodie’s fresh authentic food prepared daily, ranking the food stall third on TripAdvisor.

used to run Just Beds but then retired. However, the quiet life of retirement wasn’t all it was cracked up to be for business-savvy Shaun, so luck would have it, Akins was up for sale and the rest is history.

dishes. Nepalese cuisine consists of lots of rice dishes, with their most popular dishes being the Nepalese Himalayan dumplings, MoMo’s and the Nepalese Breakfast which consists of five dishes in one.

The farm shop supplies produce from local farms in Devon and Cornwall and you will find fresh eggs, cheeses, a large and unique selection of chutneys and fruit and vegetables. Having only been there for a week, Shaun has already brought in dog accessories due to demand.

What Biraji loves most about the market is the community, bringing a diverse mix of people together as well as all the different stalls in one place.

Visit the shop: 127 Cornwall Street

Previously a chef at Fletchers, Jodie explains how her Grandmother taught her from a very early age how to cook authentic Mauritian cuisine, “I’m doing this for her.” The plan was to start off in the market, build a good reputation and move into a food van, but since Jodie’s success so far, the goal is now to have a restaurant.

Abi, Missy Moos Boutiqu

The chicken curry is always the firm favourite for many of the customers but Jodie also offers vegan, vegetarian and gluten-free options.

Coming up to her third anniversary in the market, Abi’s childhood passion taught by her Nan has turned into a very sought-after business. Starting during the lockdown period, she made clothing for her cousin’s baby and not too long after, Abi began selling her garments at local car boots. With success and demand on the rise, Abi decided it was time to move somewhere bigger and chose to set herself up a stall in the market. Within just four short weeks, she expanded her boutique from a single plot to a double.

Jodie’s hidden gem in the market is the artistic work of James Fletcher and his stall Art of Polaris. Visit the shop: Shop 10, Plymouth Market

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Shaun is one of the newest vendors to the market (at the time of this interview) as he only took over the business, Akins, this week! Having a background in sales, Shaun

Visit the shop: Stall 114-122, Plymouth Market

Biraj, Everest Flavours Meet Biraj, a 24-year entrepreneur who, over the last year, has brought a bit of Nepal to Plymouth. Having just renovated his previous stall, Everest Flavours serves traditional Nepalese cuisine at affordable prices ranging between £2-£8 making it a perfect spot to try a few different

Whilst always keeping busy with printing and embroidering, her bestselling line of clothing at present is the ‘Spanish’ clothing range which consists of rompers and matching sets. Typically, they come with a hefty price tag, but not at Missy Moos Boutique. Aware that times are difficult, Abi wants to ensure that items at Missy Moos are priced fairly. What truly makes the boutique stand out from the rest is the option to personalise everything, such as bags, socks and jumpers but that it’s handmade by Abi herself, even down to Cosy Toes and Frills.

www.plymouthmarket.co.uk

Plymouth Market, Cornwall Street, Plymouth, PL1 1PS omplymouthmagazine.co.uk

HEALTH & LEISURE Visit the shop: Stall 133, Plymouth Market

Ed, Souk Str

eet Food

Lydia,

eet K-Str

Having only been in the market since June 2023 and already accruing a 5-star rating on Tripadvisor, K-Street has taken the market by storm selling the best of Korean Street food. This includes Tteokbokki, Bungeo-Ppang (sweet fish-shaped cakes) and the TikTok viral sensation, Korean Corn Dogs. Lydia is not new to the Plymouth Market world and has had a few different businesses over the last five years which all started in the market. Seeing the incredible value the market has for independents, she really champions it for all small businesses. “It’s really starting to come alive with different types of traders and authentic foods from around the world!” It may come as no shock, but the most popular selling dish is the Korean Corn Dogs, with six variations to choose from. After selecting which corn dog you’d like, you can then choose the traditional sugar on top and select from the four sauces. Visit the shop: Shop 11, Plymouth Market

Seasoned restaurateur, Ed Davari, isn’t new to the culinary world, in fact, he has three decades’ worth of experience. Having multiple successful restaurants in Plymouth, Ed wanted to bring something new to the city, Moroccan cuisine. Having only been open a month, Souk Street Food has been inundated with hungry customers, coming to try the infamous wraps and tagines in the colourful eatery. Choosing to host in the market is no accident. The market offers brilliant contracts for independent businesses giving entrepreneurs the opportunity to start up. This is also reflected in the price they offer their goods, more often than not, the eateries in the Plymouth Market aim to offer food under £10’s. There’s a great atmosphere in the market especially with all the variety of cuisines which means there is something for everyone. So pop down to Souk Street food and try some Moroccan cuisine and their best-selling Shakshuka. Visit the shop: Shop 9, Plymouth Market

Tracey & Keith, PJ’s Diner

Known as the best ‘American Breakfast’ around, PJ’s Diner offers everything from breakfasts and pancakes to homemade roast diners, steak pies and lasagnas. Coming up to their two-year anniversary in the market, Tracey and Keith, who have a background in catering and hospitality, have always wanted a place of their own. The opportunity soon presented itself when Tracy, who was already working with the previous owner at the time, was ready to hang up his apron and retire. Without question, they decided it was time to finally live out their dream and have a place they could call their own. Feedback is always important, especially those from Americans themselves who have come over by ship. After receiving rave reviews about the American-style diner itself along with their fantastic American Breakfasts, they knew they must be doing it right. But if you’re not in the mood for breakfasts, then their Steak Pies are also a firm favourite on their menu. Visit the shop: Tea 149, Plymouth Market

www.plymouthmarket.co.uk

Plymouth Market, Cornwall Street, Plymouth, PL1 1PS Quote OM when responding to adverts

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What’s On South Devon January 2024

aladdin

Couples terrarium workshop

comedy night

Theatre Royal, Plymouth 17th Jan - 11th Feb

Hub, Royal William Yard Friday 26th January

Steel Brew, Royal William Yard 4th, 11th, 18th & 25th January

One lamp, three wishes and infinite possibilities… Disney’s spectacular Broadway and West End musical ALADDIN comes to Theatre Royal! Escape to a whole new world and experience this extraordinary theatrical event filled with unforgettable magic.

Create your very own enclosed ecosystem in our mega terrarium for two workshop. During this workshop, you’ll create one massive jungle under glass, between the two of you - making it the perfect date night, or just a catch up with an old friend.

Join Steel Brew every Thursday for a night full of laughter and smiles at the ever popular Comdey Night.

Sewing Socially All-Dayer Ocean Studios, Royal William Yard Sunday 14th January Join us for an unforgettable self-guided Sewing Socially Extravaganza, where your creativity will soar, and friendships will blossom. Immerse yourself in a fun and chilled sewing environment within our fully equipped sewing studio. Bring your sewing projects, sewing machines, fabrics, and patterns, and be prepared to make remarkable progress.

goldilocks & the three bears

Albert Inn Beer festival Albert Inn, Totness 26th - 28th January Enjoy Guest beers & ciders alongside Bridgetown Brewery’s normal range beers in an old-school community pub. Along with some fantastic musical mayhem lined up for the Saturday, what’s not to like? See you there!!

Jersey boys tribute night

Theatre Royal, Plymouth 15th Dec - 13th January

China Fleet Country Club, Saltash Saturday 27th January

Enter a world of wonder at Plymouth’s home of pantomime and enjoy this extravaganza, packed with riotous comedy, extraordinary special effects and hair-raising stunts!

Tickets are £20 per person for nonmembers which includes a glass of Prosecco on arrival. Dance the night away from 7:30pm - 12am, listening to your favourite songs from Jersey Boys by the All Seasons.

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Full body & mind yoga flow Space To Move, Mount Wise Saturday 6th January Switch off from the busy rat race of life and give yourself this 1 hour and 15 minute session to reset your body and mind.

HEALTH & LEISURE

“Dogs leave pawprints on our hearts.”

EDITORS’ PICKS...

wINTER DOG WALKS January marks ‘Walk Your Dog Month’and what better way to celebrate than discovering some new places to explore with your furry friend this month.

Wistman’s Woods Start at the carpark which is located opposite the Two Bridges Hotel and head through the gate into the Moors. Follow the trodden grass track until you meet the ancient woodland. Turn back the way you came or explore deeper into Dartmoor and head off in any direction you choose.

DARTMOUTH CASTLE Park in Dartmouth centre and walk along the waterfront towards the sea. Pass by Warfleet Creek before heading onto the wooded Castle Road until you reach Dartmouth Castle. Explore the Castle, Cove and it’s surrounding trails before heading back through the woodland above Castle Road.

BELLEVER FOREST Park in Bellever Forest carpark which has toilet facilities, lots of picnic areas as well as a beautiful river running through it. Head off into the woods from the carpark and follow one of the many routes that you can take marked on the OS map. Stop by the Postbridge Clapper Bridge on your way back too.

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DARTMEET Start at Dartmeet carpark and head up the river with the water on your left until you meet the Clapper Bridge. Turn left after the Clapper Bridge and head back down to cross the river via the stepping stones. Keep walking with the river on your left until you reach the carpark again.

Noss Mayo Park in the village hall carpark and walk up past The Ship Inn. You can either walk through the woodland or stick to the road with the estuary to your right. The long circular walk hugs the coast before heading back to the village or walk to Cellar Beach and back which takes just over an hour.

Wembury Beach to warrren point Begin at the Wembury Beach carpark and walk up the South West Coast Path passed the church. Admire the stunning coastline whilst heading towards Warren point located at the end of the river Yealm. Walk back the same way or make it a loop by heading up into Wembury village.

LYDFORD GORGE This is the deepest river gorge in the South West owned by the National Trust. From the carpark, head into the visitors centre before starting your walk down the gorge. Witness the 30m high waterfall, ancient woodland and wildlife and the dramatic nature of the gorge itself.

ERMINGTON WOODS Park in Ermington village where you can grab a drink and some food at the local pub before venturing off into the woodland. Ermington Woods become carpeted with gorgeous bluebells in Spring. These woods are part of the 17mile Erme-Plym Trail.

BANTHAM BEACH TO HOPE COVE

*Dog Restrictions* Main Bantham Beach - Allowed from 31st Dec - 30th April. Estuary Side of Bantham Beach - Allowed all-year round. Hope Cove Harbour Beach - Allowed all-year round. Mouthwell Sands - Allowed 1st October - 30th April. Take the SW Coast Path from Bantham accross to Hope Cove and back (2hrs approx.)

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health & wellBEING Health and wellness tips and ideas to help overcome the January blues. Sponsored by Space To Move.

anuary doesn’t tend to have the most positive of reputations; the festive period is over, we perhaps feel we ‘ate too much’ or concerned about our finances, but I just want to remind you about the great things that January can offer. It can offer excitement as we can think about the year we have ahead, setting our goals and intentions. This is also a great time to practise gratitude and appreciate this season of your life. So let’s take back the power and ignore the negative spiral the media will have you believe so you end buying to give you ‘quick fixes.’ By all means, I am no expert, but I do truly trust that shifting your outlook into a positive light, can have huge benefits for your mental health. January 15th has been named, ‘Blue Monday’ as it’s considered the most depressing day of the year, but I say we change that definition. How about, we call it ‘Blue Monday’ to signify the water. Did you know that one in eight adults in the UK feel tired all the time? And do you know one the best way to combat fatigue? Through natural energy boosters, like swimming. Dipping into the sea when it’s calm, or opting for a cold shower is proven to have significant health benefits. Not only is it great for your blood circulation, it also enables you to completely forget about 22

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whatever is on your mind as you deal with the plunge temperatures. The goal during every dip is to control your breathing which should be possible in less than a minute after the initial shock has passed. Having a cold-water shower or dip a few times a week will make the affects of the cold water less extreme as your body acclimatises. Immersion in cold water can be life-threatening so ease yourself in gradually and focus on calming down your breathing. Always bring someone with you if you are planning on going into wild waters. Echoing the notion of getting out in nature, it’s extremely important to take regular digital detox’s. In a digital world, where we’re so easily contactable (which has its benefits)

but also so easily distracted and get sucked into a world of information overload. There are many studies that have shown an increase in anxiety and depression through over consumption of social media so take a digital detox. Delete some apps and declutter your phone or better yet, switch off you phone completely and fully be present in the moment, take yourself on a beautiful walk around Saltram, Plymbridge woods or Bellever Forest. Scientific reports confirm that spending time in nature improves concentration, reduces stress, anger and anxiety and improves your physical health! Taking care of your physical health has huge benefits to your mental wellbeing. Starting a new fitness regime, taking up a new hobby or challenging yourself physically will not only allow you to maintain a healthy weight and improve your cardiovascular health but it also improves your brain health too. There are hundreds of sports classes, gyms and health and wellbeing centres like Space To Move, in and around Plymouth to suit everybody’s requirements. Your fitness journey is only half complete if you are slacking with your diet. The word ‘diet’ shouldn’t be something viewed as negative or a punishment, it’s a lifestyle choice. Eating and being conscious about co.uk

HEALTH & LEISURE putting the right things in the body shouldn’t be classed as a diet, it’s giving our body the nutrients to operate properly and be healthy. Habits take time to form, so rather then putting lots of pressure on yourself to like X,Y and Z, think about making small changes where you can to your existing diet and introduce things slowly. It’s important to have the right amount of protein and carbohydrates in addition to exercise. Depending on your BMI and the amount of exercise you do will determine how much protein and carbohydrates you should be eating. It has been proven that ‘people who consumed a diet rich in fruits and vegetables reported a more positive psychological state and were less likely to have symptoms of depression, stress, and anxiety compared to those who do not eat these nutrient-rich foods as regularly.’ Sleep is so imperative when it comes to our health and wellbeing, not only does it give us the energy to navigate through our busy days but it’s important for our overall health and skin. We all know that we need at least 7+ hours of sleep a night, but it’s not just about the hours we clock, it’s down to the quality too. This means that any screen-related activities such as your phone or an iPad are a big no no if you’re wanting a sound night sleep. It’s recommended to switch these off at least an hour before bedtime to give our brains a chance to wind down. Instead perhaps try and read a book, practise some quiet mediation or even a gentle slow yoga practise.

If you need to speak to someone, call Samaritans on 116 123

Space for You to Move More, Relax More in 2024! Space to Move is celebrating 5 years since first opening, welcoming people from all walks of life, helping them to move their way towards feeling better, fitter, more balanced, inside and out. S2M was created by entrepreneurs and long-time friends, Jules Laville & Louise Handy. Together they have successfully created a community-based wellbeing hub where people come to take care of their physical, emotional & mental health. “Warm, kind & welcoming to everyone. The vibe encourages you to forget all your worries” Cindy B Our fully equipped, ground level studio with disabled access delivers face to face & online, classes, workshops, courses and 1-2-1 sessions. Located within stunning Mount Wise, in the heart of Plymouth with free parking, only a 1015 minute walk from city & on bus routes. We offer a variety of inclusive, accessible well-being practices including: Yoga (various), Dance (various), Sound Baths, Sister Circles, Neuro Yoga, Physio Pilates, Chair Yoga, Strength Training, Movement for Chronic Pain, Children’s Yoga, Heart Song and more… S2M, voted best Yoga Studio in Devon (Muddy Stilettos Award 2022), provides a friendly, welcoming, calm, non-judgmental space where people feel safe, build confidence, connect and meet like-minded people. From absolute beginners to those with more experience …whatever age, ability, fitness level, body type, race or gender. Every Body is Welcome! “Space to Move is an amazing studio that has a range of classes. Their approach is one of inclusivity and fostering self-worth” Jess S So, whatever your fitness/non-fitness level, body type/age we invite you to come along & try a class. Visit www.spacetomove.co or email info@spacetomove.co Find us on Quote OM when responding to adverts

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FOOD & DRINK

Local Directory BARS & COCKTAIL The Treasury Annabel’s Le Vignoble The Slug and Lettuce The Refectory SeedSip Seco Lounge The Blues Bar & Grill Barbican Botanics Gin The Bottling Plant Honky Tonk Brewdog Ocean View

PUB FOOD

Catherine Street, Plymouth Vauxhall Street, Plymouth Royal William Yard, Plymouth Berkeley Square, Plymouth 60 Southside St, Plymouth 140 Vauxhall St, Plymouth Royal William Yard, Plymouth 8 The Parade, The Barbican 38 New St, Plymouth 5 Southside Street, Plymouth 2 N E Quay, Sutton Harbour Unit 10, The Barcode 135 W Hoe Road, Plymouth

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ASIAN RESTURANTS Buffet City 1 St Andrews Cross, Plymouth The Red Lantern 57 North Hill, Plymouth The Wet Wok 75 Hoe Road, Plymouth Dragon City Glen Rd, Plymouth China Chef Takeaway 3 Seymour Rd, Plympton Jasmin Restaurant 3 Buckland Terrace, Yelverton 255 Dean Cross Rd, Plymouth Silver Dragon 39 Lopes Rd, Plymouth Yungs Carry Out 18 Barne Rd, Plymouth East Eat 137 Ridgeway, Plymouth Shapla Balti Cusine 151 Ridgeway, Plymouth Plympton Spice 9 Morshead Rd, Crownhill Nibana 57 Notte St, Plymouth The Eastern Eye Penrose House, Plymouth Mombay Brasserie 36 Bretonside, Plymouth Ganges and Gurkha 31 New St, Plymouth Himalayan Spice 41 Springfield Rd, Plymouth Papa Raj 63 Notte St, Plymouth The Thai House 18 Buckwell St, Plymouth Bengal Flavour Royal William Yard, Plymouth Wagamama 19 Princess St, Plymouth Kuku Sushi & Robata 58 Ebrington Street, Plymouth Kyowa The Barbican Theatre, Plymouth B-Bar Sutton Harbour, Plymouth Suphas 135 Cornwall St, Plymouth Tea and Bun

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EUROPEAN RESTAURANTS La Bistrot Pierre La Roux Café Meze Grill Grecian Taverna The Leandra Lanterns Kapadokya Lorenzos Maritimo Positano Barbican Pasta Bar Il Capriccio Prezzo Frankie & Benny’s Pizza Express Wildwood The Stable Knead Pizza Cave Delight Dining Nando’s Samphire (V) Bella Italia Fletcher’s

Royal William Yard, Plymouth 33 Notte St, Plymouth 48 Southside St, Plymouth 9 Market Avenue, Plymouth 19-21 Frankfort Gate, Plymouth 88 Cornwall St, Plymouth 12 New Street, Plymouth 26 Derrys Cross, Plymouth Hoe Rd, Plymouth 36-38 Mayflower St, Plymouth 40 Southside St, Plymouth 4 Frankfort Gate, Plymouth Royal William Yard, Plymouth Barbican Leisure Park,Plymouth 16 Barbican Approach, Plymouth 3 Derrys Cross, Plymouth Vauxhall Street, Plymouth Prysten House, Plymouth 72 Royal Parade, Plymouth 15-21 Old Town St, Plymouth 111 Mayflower St, Plymouth 30 - 33 Derrys Cross, Plymouth 27 Princess Street, Plymouth

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LATIN AMERICAN RESTAURANTS Turtle Bay Arribas Las Iguanas Nacho Heaven

5 St Andrews Cross, Plymouth 56-58 Notte St, Plymouth 11 Bretonside, Plymouth

47 Ebrington St, Plymouth

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Rose and Crown The Imperial The Boringdon Arms The Three Crowns The Chaddlewood The Elburton Inn The Fishermans Arms The Jack Rabbit The Miners Arms The Royal Oak The Ship Inn The Ship The George Inn The Navy Inn The Odd Wheel The Mussel Inn The Treby Arms The Waterfront Eddystone Inn Turtley Corn Mill

Market Street, Yealmpton 28 Western Road, Ivybridge Boringdon Terrace, Plymstock 11 The Parade, Plymouth 100 Glen Road, Plympton 221 Elburton Road, Plymstock 31 Lambhay St, Plymouth 8-9 Howeston Road, Plymouth Hemerdon Ln, Plympton Meavy, Yelverton Noss Mayo, South Devon The Barbican, Plymouth 191 Ridgeway, Plymouth 34 Southside St, Plymouth Knighton Rd, Wembury Down Thomas, Plymouth 6 Newton Row, Sparkwell 9 Grand Parade, Plymouth Heybrook Dr, Heybrook Bay Avonwick, Devon

FISH AND SEAFOOD RESTAURANTS The Harbour Rockfish Seafood & Pasta Bar The Village Restaurant Harbourside The Boathouse Plym Fish Bar Kingfisher Atlantic Fryers Platters Fishbone Restaurant Pier Masters house The Hook & Line

21 Sutton Harbour, Plymouth 3 Sutton Harbour, Plymouth 10 Quay Rd, Plymouth 32 Southside St, Plymouth 35 Southside St, Plymouth 2-4 Commercial Wharf, Plymouth 11 St Stephen Rd, Plymouth 6 Glen Rd, Plymouth 58 Faringdon Rd, Plymouth 12 The Barbican, Plymouth 1 William Prance Rd, Plymouth 12-13 Madeira Rd, Plymouth Royal William Yard, Plymouth

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TRADITIONAL RESTAURANTS Tilt The Artillery Tower The Greedy Goose Rock Salt Salumi The Fig Tree @ 36 Quay 33 St Elizabeth’s House Barbican Steakhouse Barbican Kitchen Fusion Restaurant Jolly Jacks Steve’s Brasserie The Bridge Miller & Carter The Dock The Foxhound Inn Cosmic Kitchen Hub Manuka Plymouth

68 Ebrington St, Plymouth Durnford Street, Plymouth Finewell Street, Plymouth 31 Stonehouse Street, Plymouth 18 Millbay Road, Plymouth 36 Admiralty Street, Plymouth 33 Southside Street, Plymouth Longbrook Street, Plymouth 61 Notte St, Plymouth 60 Southside St, Plymouth 50 Exeter St, Plymouth Richmond Walk, Plymouth New Continental, Millbay Road 55 Shaw Way, Plymouth Sutton Wharf, Plymouth King Point Marina, Plymouth Kingsbridge Road, Brixton Sir John Hawkins Square, Plymouth Melville, Royal William Yard 40 Drake Circus, Plymouth

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55 Bretonside, Plymouth 48 Ebrington St, Plymouth 46 Southside St, Plymouth 82-84 Vauxhall St, Plymouth 11 Millbay Rd, Plymouth Beckley Point, Plymouth 46 Tavistock Place, Plymouth Darklake Lane, Plymouth 2 Haye Road South, Elburton 117 Beaumont Rd, Plymouth 59 Hyde Park Rd, Plymouth

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CAFES Minerva Cafe Prime Cafe Bar The Flower Cafe Boston Tea Party Rhubarb & Mustard Ground Coffee House Caffeine Club The Woolwell Centre Lemon Tree Cafe Cobblers and Coffee Coffee Shark

PLEASE CALL IN ADVANCE TO CHECK ON OPENING TIMES AND RESERVATIONS

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FOOD & DRINK

MICHELIN Star Dining in Devon ‫ܫ‬1Ѵ࣏-= bv - v_o 1-v; o= bm ;mঞ ; ubঞv_ =-u; 0 - -u7Ŋ bmmbm] _;-7 1_;=ķ "1o -|om -| oubm]7om -ѴѴĺ ooh - |-0Ѵ; ou ooh |o v|- ş 7bm; -| C ;Ŋv|-u oubm]7om -ѴѴ bvb| -1Ѵ;-=ĺ1oĺ h ou 1-ѴѴ ƏƐƕƔƑ ƒƓƓƓƔƔ Š-1Ѵ;-=u;v|- u-m| Quote OM when responding to adverts

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FOOD & DRINK

Veganuary Recipes

It’s good for the planet, it’s good for your health, it’s Veganuary! Try something new this month and have a go at some of these easy recipes.

Tempeh Stroganoff Serves - 2

Ingredients • 1 pack of Better Nature Organic Tempeh (or tempeh of your choice) • ½ white onion • 250g chopped mushrooms • 250ml soya or oat cream • 1 vegetable stock cube • 2 cloves of garlic, chopped • Salt and pepper

1 2 3

In a pan, heat your oil then crisp and brown your cubed tempeh pieces. Remove from the pan and put to one side.

In the pan cook your onion, garlic, seasoning and the mushrooms. After around 5 minutes, add back in your tempeh along with your stock and vegan cream.

Leave this to reduce for 5–10 minutes and you’re ready to serve. Serve with rice, breads or stirred through pasta.

Chocolate Orange Truffles Serves - 8

Ingredients • 1 cup pitted dates • ½ cup almonds • 1 scoop Vivo Life protein (or your preferred dark chocolate vegan protein) • 1 tbsp almond butter

1 2 3

• 2 tbsp cacao powder, plus 1 tbsp for dusting • Zest of 1 medium orange • 2 tbsp orange juice (from an orange) • Pinch of salt

Blend the almonds in a food processor (or highspeed blender) until fine.

4 26

Enjoy straight away for a softer texture or refrigerate for a couple of hours first to allow them to firm up.

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Add remaining ingredients to the food processor (apart from the extra 1 tbsp of cacao for dusting).

Roll into balls and roll in the additional cacao on a plate until fully coated.

FOOD & DRINK

Portobello Wellington with Red Wine Sauce Serves - 4

Ingredients • 2 cups baby spinach • 125g shiitake mushrooms • 1 cup white button mushrooms • 3 small shallots, peeled and roughly chopped • 3 garlic cloves, peeled and roughly chopped • 2 sprigs fresh tarragon, stemmed • 2 tsp vegan butter • ¼ cup vegetable stock • Black pepper to taste • 4 portobello mushrooms • 1 sheet vegan puff pastry

1 2 3

Preheat the oven to 400 °F / 200 °C.

Add spinach, shiitake, button mushrooms, shallots, garlic, and arragon to a food processor and pulse until finely chopped.

Add the vegan butter to a large sauté pan and set over medium heat. Add the mushroom mixture and vegetable stock and sauté for 10 minutes until most of the liquid has evaporated. Season with a pinch of black pepper and set aside to cool.

Image from cooking.nytimes.com

Gently scrape the gills from inside the portobello mushrooms with a spoon. Place the mushrooms on a baking tray lined with parchment paper or use a non-stick baking tray. Bake in preheated oven for 10 minutes, then set aside.

Vegan Banana & Walnut Bread Serves - 8 Ingredients • 50g coconut oil or sunflower oil, plus extra for tin • 200g self-raising flour • 3-4 very ripe • 25g ground almonds bananas, mashed • 1 tsp baking powder • 3 tbsp soya milk • 75g light muscovado sugar • 75g walnut pieces, • 4 dates, finely chopped toasted

1 2 Quote OM when responding to adverts

Heat oven to 200C/180C fan/gas 6. Brush a 450g loaf tin with a little oil then line with baking parchment.

Mix the flour, almonds, baking powder, sugar and dates. Beat together the mashed banana and oil, then combine it with the flour mixture. Add the soya milk to loosen the mixture, fold in the walnuts and scrape the mixture into the tin. Bake for 1 hr, covering the top if it starts to look too brown. Insert a skewer into the centre of the cake – it should come out clean. If not, return to the oven and cook for a further 10 mins. Cool for 15 mins before taking it out of the tin. OMPLYMOUTHMAGAZINE.CO.UK

FOOD & DRINK

BRITISH CURRY & BRITISH TAKEAWAY AWARD FINALISTS

est. 1999

Enjoy one of Plympton's most amazing Indian Restaurants Located on Ridgeway in Plympton, Shapla Balti Cuisine is an authentic Indian restaurant and takeaway, where we offer the finest Indian dishes for you to enjoy!

FOOD ALLERGIES AND INTOLERANCES Please speak to our staff about the ingredients in your meal before placing your order - THANK YOU

By word of mouth we are the BEST BALTI HOUSE in the area! 137 Ridgeway, Plympton, PL7 2AA

Call us on 01752 338169 or 340555

Open 7 days a week - Mon-Thurs 5.30-10.30pm Fri, Sat 5.30-11pm | Sun 5.30-10pm (opening times may vary due to government guidelines)

www.shaplapl7.com

WIN!

£30 Off FOOD & DRINK VOUCHER GOOD MOOD FOOD! For a chance to win

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EMAIL: Please send to: OM Media Reader Response, Unit 5, Bowker House, Lee Mill, Ivybridge, PL21 9EF by Monday 5th February 2024

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T’s&C’s:The voucher is non-transferable and no change can be given.Voucher cannot be exchanged for cash. Must be aged 18 or over.Voucher can be redeemed at Cosmic Kitchen. Must be redeemed and used by 5th May 2024

LAW & FINANCE Wayne Bottomley, Manager of the former Mutley Plain branch says, “we’re excited to announce the move to a larger and more modern premises in Plympton. The move from Mutley Plain was a strategic decision allowing us to successfully combine the two branches in Plymouth together. We’re thrilled to welcome our new and existing clients to our new location and can effectively succeed together as a team to better serve our customers.”

“Together we bring a wealth of experience & expertise” Steve Bartlett, Manager of TIG says, “the office relocation has played a significant role in merging the two Plymouth branches. It’s been on the cards for a few years since we became a trading name of Higos in 2019. Our teams and customers will benefit greatly from the larger space, demonstrating our commitment to the area and providing our customers with a high level of service. We’re excited to help our new and existing customers in Plympton, as well as the wider Devon & Cornwall area.”

Local insurance brokers relocate to Plympton At Higos, we’re delighted to announce the relocation of our two Plymouth branches to a larger premises in the stannary town of Plympton.

Higos are part of Brown & Brown, the 6th largest broker in the world, combining our local, professional service with the resources of a global broker for the benefit of our clients.

The move combines the Higos Mutley Plain branch and The Insurance Group (TIG) branch into one office. The two teams can take full advantage of the more sizeable space to complement their working styles, better support the staff and customers.

Visit us at Unit 1&2, Block A, Ashleigh Way Business Park, Plympton, PL7 5JX

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At Higos, we love different. Whilst other insurers may try to sell you a one size fits all solution, or even turn you away, our experts will take the time to understand your specific needs.

Our personal and commercial insurance includes: Buildings & Contents Car/Van Commercial Property Directors & Officers Holiday Homes

Let Property Public/Employers Liability Shop/Offices Tradesman Travel

For independent advice, contact our friendly team of experts

Call Us Higos 01752 401 680

For Personal & Commercial insurance, it has to be Higos

TIG 01752 345 333

Email us plymouth@higos.co.uk info@tigltd.com

Rated excellent on Trustpilot ®

incorporating

The Insurance Group

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See us in branch Visit us at Unit 1&2 (Block A) Ashleigh Way Business Park, Plympton, PL7 5JX

WE LOVE DIFFERENT / HIGOS.CO.UK

Higos Insurance Services is a trading name of Brown & Brown Insurance Brokers (UK) Limited which is authorised and regulated by the Financial Conduct Authority (Reference Number 745618). Registered in England and Wales with number 09850559. Registered office: 7th Floor, Corn Exchange, 55 Mark Lane, London, EC3R 7NE

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Economic Challenges in 2024: How to Navigate Financial Challenges, Thrive Financially and Retire Comfortably

A Happy New year to you! I hope you and your loved ones enjoyed the festive season. It soon comes and goes, and we all must turn our attention to what the new year holds for us all.

s we step into the new year, the economic landscape in the United Kingdom continues to be defined by austerity measures, economic uncertainties, and the everincreasing cost of living. In such challenging times, it is essential for individuals and families to adopt smart money-saving strategies to navigate through the financial challenges that lie ahead. This article explores practical and effective money-saving ideas for the new year, helping you achieve financial resilience amidst the ongoing austerity. Additionally, for those aged 55 and above, we will discuss how you might tap into your pensions to ease financial burdens. Lastly, we’ll introduce an exciting resource. My new book: Mind Over Markets - Uncovering Truths, Overcoming Biases, and How to Ensure a Comfortable Retirement, has been written to enhance your financial knowledge and help you secure your financial future. Here are my top money saving tips for 2024:

Create a Budget and Stick to it One of the fundamental steps towards effective money management is creating a budget. Start by listing your monthly income and expenses. Be meticulous in tracking every pound you spend. This will help you identify areas where you can cut back and allocate more funds to essential expenses like rent or 30

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mortgage, utilities, and groceries. Stick to your budget religiously to avoid overspending and accumulate savings.

Embrace Frugal Living Austerity often requires a shift towards a more frugal lifestyle. Evaluate your spending habits and identify areas where you can make cuts without sacrificing your quality of life. Consider cooking at home more often, reducing dining out, and finding cost-effective alternatives for entertainment and leisure activities. By embracing frugality, you can save a significant amount of money over the year.

Shop Smartly When it comes to groceries and shopping, adopting savvy strategies

can help you save substantially. Start by making a shopping list before heading to the store and stick to it. Look for discounts, use coupons, and take advantage of cashback offers and loyalty programs. Additionally, consider buying generic or store-brand products instead of premium brands for non-essential items. Regularly visit Martin Lewis’s Money Saving Expert website to see all the latest savings available for consumers.

Reduce Utility Costs Utility bills can be a significant drain on your finances. Lower your energy consumption by investing in energyefficient appliances, turning off lights and appliances when not in use, and insulating your home. Consider switching to a more affordable utility provider or negotiating a better deal with your current one. Small changes can lead to significant savings on your monthly bills.

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Review and Adjust Insurance Policies Take the time to review your insurance policies, including home, auto, and health and life insurance. Shop around for better deals and consider raising deductibles to lower your premium costs. Sometimes bundling policies with one provider can result in discounts. Ensure that your insurance coverage meets your actual needs while being cost-effective.

Cut Down on Transportation Costs Transportation expenses, including fuel, public transport, and car maintenance, can add up quickly. If possible, use public transport or carpool to work to reduce fuel costs. Consider downsizing to a more fuel-efficient vehicle or using a bike or walking for short trips. Regularly maintain your vehicle to prevent costly repairs in the long run.

Set Up an Emergency Fund Building an emergency fund is crucial to financial resilience. Even in austere times, unexpected expenses can arise. I know that this is difficult, if not impossible for many, but aim to save at least three to six months’ worth of living expenses in a separate savings account. Having this buffer can prevent you from going into debt when faced with emergencies. Imagine the feeling of knowing you can meet all your monthly outgoings for at least the next 6 months without having to borrow.

Reduce Debt and Interest Payments High-interest debt can be a significant burden. Make it a priority to pay off credit card balances and loans with high-interest rates as quickly as possible. Consider consolidating your debt into a lower-interest loan if it makes financial sense. This will free up more money for savings and reduce the overall cost of your debt. The Money Saving Expert website has all the latest interest free credit card deals available.

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Explore Additional Income Streams In today’s economy and the advent of Artificial Intelligence (AI), there are various opportunities to earn extra income. Consider freelancing, part-time work, or selling unused items online to boost your finances. Every additional pound earned can contribute to your financial stability and savings goals. The ever-increasing abundance of AI tools can help you build a business from home. Go onto YouTube to get some ideas and inspiration.

Monitor and Adjust Your Financial Goals Regularly review your financial goals and adjust them as needed. As your financial situation evolves, your priorities may change. Keep your goals realistic and flexible to adapt to unexpected challenges or opportunities.

Tapping into Pensions for Financial Relief For those aged 55 and above, there may be an opportunity to ease financial burdens by tapping into any pensions you have accumulated over the years. Pensions can provide a valuable source of income, especially during challenging economic times. It’s essential to explore the options available to you, such as taking a lump sum, drawing a regular income, or a combination of both. Consulting

with a financial advisor can help you make informed decisions regarding your pension funds and how to best utilise them to alleviate financial stress.

Introducing my new book; Mind Over Markets - Uncovering Truths, Overcoming Biases and How to Ensure a Comfortable Retirement Now that we’ve discussed practical money-saving strategies and options for those over 55, let’s delve into an exciting resource that can further enhance your financial knowledge and help you become a smarter investor and achieve a comfortable retirement. I am thrilled to introduce my new book, Mind Over Markets Uncovering Truths, Overcoming Biases and How to Ensure a Comfortable Retirement. This book serves as your comprehensive guide, unveiling the essential principles and key insights that every investor should know. Whether you’re a novice embarking on your investment journey or a seasoned investor seeking to refine your strategies, this resource equips you with the knowledge to navigate the complex landscape of investing successfully. Successful investing is about managing risk and your appetite for volatility, not avoiding it. It’s not necessarily about making good decisions but consistently avoiding self-sabotage and staying on OMPLYMOUTHMAGAZINE.CO.UK

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track with your plan. Your personal experiences around money and investing represent a minuscule fraction of global financial activities, but they profoundly influence how you perceive and interact with the financial world. In the realm of finance and investing, it is not uncommon for individuals to carry a figurative bag filled with “M&Ms.” These M&Ms aren’t the tasty chocolate treats. These M&Ms symbolise the myths, misconceptions, and misunderstandings that often cloud our understanding and decisionmaking processes. To secure your financial future, it is crucial to delve deep and unravel the truth behind these beliefs. Within the pages of “Mind Over Markets,” you will uncover a wealth of wisdom encompassing a wide range of vital investment concepts. From the significance of cost efficiency and embracing simplicity to the importance of global diversification, we delve into the principles driving successful investment strategies. Understanding these fundamental principles empowers you to make informed decisions, optimise your returns, and effectively navigate challenges. Human behaviour plays a pivotal role in investing. We explore the concept of behavioural biases, shedding light on how emotions and cognitive shortcuts can impact investment decisions. Armed with this knowledge, you will learn to recognise and overcome these biases, enabling you to make rational choices that align with your long-term financial goals. Additionally, this book demystifies the

concept of risk in investing. By equipping you with the tools to assess and manage risk effectively, you gain the confidence to navigate volatile markets and make calculated decisions. We also highlight the power of compounding and its profound impact on wealth creation, emphasising the importance of adopting a long-term perspective and exercising patience. Recognising the influence of inflation, we explore strategies to mitigate its effects and safeguard your wealth. Throughout “Mind Over Markets,” I employ vivid analogies and relatable examples, such as the M&M analogy mentioned earlier, to enhance comprehension and make complex ideas more accessible. It is crucial to acknowledge that investing is not a one-size-fits-all endeavour. While this book provides a solid foundation, it is essential to recognise your unique circumstances, risk profile, volatility tolerance level, and financial objectives. Tailoring these principles to your specific needs enables you to create a personalised investment strategy that aligns with your goals. As you embark on this transformative journey with “Mind Over Markets,” remember that investing is a continuous learning process. The evolving financial landscape requires curiosity, adaptability, and openness to new ideas. Cultivating a mindset of continuous improvement sets the stage for long-term success. Prepare for a journey of discovery where you dispel myths and embrace truth, unlocking your full potential and aligning decisions with your financial aspirations. Knowledge and understanding illuminate the path to financial success, and “Mind Over Markets” is here to guide you every step of the way.

My book is available now as a Kindle download and paperback on Amazon.

Navigating the Path Forward In conclusion, as we continue to face the challenges of austerity measures and economic uncertainties in 2024, it is crucial to adopt smart money-saving strategies, manage your finances wisely, and explore opportunities like tapping into pensions for those over 55. Furthermore, “Mind Over Markets” offers a valuable resource for enhancing your financial knowledge, making informed investment decisions, and securing a comfortable retirement. Financial resilience is not an overnight achievement but a journey that requires dedication and discipline. By following the money-saving tips outlined in this article, considering your pension options, and embracing the wisdom within “Mind Over Markets,” you can navigate the financial challenges of the new year with confidence and work towards a secure and prosperous future. Remember that financial resilience is not about avoiding challenges but navigating them effectively with the right strategies and mindset.

Mike LeGassick If you feel I can be of any assistance regarding investing and pension planning, please feel free to call me on: 01752 837950. Finally, I hope you and your loved ones have a healthy and prosperous 2024. SCAN ME to purchase the books;

Mind Over Market

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EXPERT DISPUTE RESOLUTION THROUGH MEDIATION Introducing Dispute Resolution at Howard & Over At Howard & Over, we have an expert litigation team dedicated to helping you resolve your dispute in the best way possible; quickly and cost effectively. Where possible, we will always aim to avoid the costly and time-intensive route of traditional litigation through the court system, settling through mediation wherever possible.

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Mediation is a process that involves an impartial mediator who will assist with communication between the two parties to ultimately achieve a settlement or resolution. Firstly, an independent mediator will be appointed by both sides. Then, as there is no need for a judge or court there is typically no need to give evidence, and the mediation can therefore be set up quickly and more often than not, settled within a day or less either in person or via video call.

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Gables has been helping the regions unwanted and abandoned dogs and cats since 1907. We take in and care for nearly 1000 cats and dogs every year. We are a non-euthanasia charity, which means no healthy animal in our care is put to sleep. We receive no Government funding so rely completely on the generosity and support of the public through donations and legacies. We need your help to care for unwanted and abandoned animals in your local area. Any donation, large or small, would make a significant difference to the work we do and will help to protect our future.

HOW YOU CAN HELP Make a donation

Adopt a dog or cat Sponsor a dog or cat Join our supporters club Leave a legacy in your Will Purchase from our pet shop Organise a sponsored event Use our dog & cat boarding service

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‘5 GENERATIONS OF OUR FAMILY SERVING YOURS’ James Brothers are the oldest family-owned funeral directors in the Plymouth area, having grown from the carpentry business of Ned James in the late 1870’s. For the last 150 years we have been helping people in the time of bereavement through the changing process of the funeral industry.

Funeral Plans • Cemetery Funerals Cremation Funerals • Green Funerals Funeral Flowers • Coﬃns & Caskets Memorials & Plaques If you require more information about our Traditional Burial or cremation funerals then please call, we are always here to help. Funeral Directors - South Hams - Plymouth - Plympton - Saltash

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