Savings for Children with Louise Fitzgerald

Transcript
Carla (00:00.661)
and welcome to My Bumped Babies Expert podcast today. I am delighted to be joined by the lovely Louise Fitzgerald, an independent financial advisor at Sterling and Law. And today Louise is going to be sharing information about savings for children because we all want to save for our children and we’re not really 100 % sure of the options available. So we’re going to be talking all about that. So hello Louise, how are you?

Louise Fitzgerald (00:13.148)
Thank you.

Louise Fitzgerald (00:29.34)
Hi, yes I’m very well thank you, how are you doing?

Carla (00:32.245)
I’m good thank you. A little wind swept as you can see actually this morning. I’ve been running around. It’s my son’s birthday today. Oh I know it definitely doesn’t seem like it’s nearly May time at all actually. It’s quite cold. So anyway I’m looking forward to this episode Louise because saving for children. A lot of us just think oh yeah nip in the local bank and put the savings in there but there’s so many different options aren’t there available.

Louise Fitzgerald (00:34.78)
It’s cold as well. Yeah, it’s cold. It feels like winter.

Louise Fitzgerald (00:49.02)
Thank you.

Louise Fitzgerald (01:00.476)
yeah I mean that used to be the way to do it but like you say now there are so many options and there are so many things that we need to spend money on for our kids as they get older that it’s just become a bit of a minefield.

Carla (01:12.469)
Absolutely, totally agree. I know and that’s it. And it is just thinking about our children’s future because I mean it’s actually my son’s birthday today, he’s eight. And you know, I actually thought to myself, where the hell has that time gone? It’s like you blink and they’re just getting older all the time. And you know, that’s eight years of savings potentially, you know, which is a long time. So first of all Louise, tell us a little bit about you, if that’s okay.

Louise Fitzgerald (01:31.516)
Yeah.

Louise Fitzgerald (01:38.14)
Yeah, of course. So as you said, I’m an independent financial advisor. So I’m based in Tunbridge Wells, but I have clients all over the UK, you know, due to Zoom and everything like that since COVID, it’s opened up a whole different area of providing advice, which is fantastic. I’ve got two young children myself. I’ve got a five -year -old and a two -year -old. So yeah, it keeps me in my toes, certainly trying to work full -time and look after the kids. But my husband helps out massively. So he does a lot of the childcare, which is fantastic.

But yeah, that’s part of the reason why I’m so passionate about helping other parents out there because I’ve been through it myself and being a financial advisor I come at it from a different perspective because I know things that I should be doing or that would be good to do for them to get them in the best place financially as they get older.

Carla (02:23.477)
I love that. Yeah, I think that’s it. I mean, for you, obviously you’ve got all that training and all that knowledge and just to be able to share that with parents is amazing because we don’t know what we don’t know, do we? So it is really important. Obviously you help with all different aspects of finances, but today we’re going to be talking a little bit about the savings side of things. So could I ask what are the different options that are actually available for saving for children’s futures?

them.

Louise Fitzgerald (02:54.588)
yeah so as you say I mean a bank account for kids that’s a quite an old -school way of doing it but that’s certainly still an option and I’ve got I’ve got a couple of kids accounts for my two that I just you know put a birthday money in and then I spend it on things as they need them so that’s kind of a great sort of stopping gap it’s not good for long term because you know you won’t get much in terms of a return because the interest rates won’t be very good but it is good as kind of an easy access account if you want to maybe chuck your child benefit in there.

if you can afford to do that and then you know you can draw on it later for school trips, school uniforms and things like that, that can be one way of using that. If you want to go a little bit more in depth then you’ve got things like junior ICers. So they are just a kids version of an ICer. So with an adult ICer you can pay in £20 ,000 in a tax year and it’s all tax free so there’s no tax consequences with ICers. With kids they can have a junior ICer.

so you can only pay in £9 ,000 but that’s still a good chunk of money in a tax year you can pay £9 ,000 every year for your kid I mean I don’t know who can afford to do that but it’s still and then you can have a cash junior ISA or an invested junior ISA so you can open yourself up to some investments if you’re happy to do that.

Carla (03:55.029)
Yeah.

Louise Fitzgerald (04:04.636)
because for children you’ve got quite a long time horizon you know they’re probably not going to need the money if you’re going to target that for maybe university or a house deposit or a wedding or whatever you want to do and then you’ve got potentially 20 years plus that that money can work really hard for you and again it’s all tax free so that’s another really good way of saving.

Premium bonds are also a good one. Premium bonds are like prize draws if you like. It’s a government scheme so there’s no tax consequences. Again, your money’s safe, it’s not invested and they’re through national savings and investments. So you can put in up to £50 ,000. You don’t have to put it all in at once. You can put in monthly amounts or ad hoc lump sums along the way. And then again, you can have those in your kids’ names and one of the parents can be the registered person who oversees that account.

then every month you get entered into a prize draw and you could win anything up to a million quid so I’ve never heard anyone that’s won a million I do know someone that won ten thousand pounds recently so it’s yeah yeah

Carla (05:07.605)
That’s a nice little bonus as well, isn’t it, coming through the door? But the only thing I suppose with the investing, you’re not guaranteed to win anything with the premium bonds, are you? So when it comes to talking to a financial advisor like yourself, at least, obviously you can’t guarantee anything. But, you know, unless you’re keeping up with inflation, you know, everything’s rising. We all know that, don’t we? Every bill is going up and you want to keep up with that, don’t you? And investing is a good thing.

Louise Fitzgerald (05:11.292)
Exactly.

Louise Fitzgerald (05:18.492)
Open that claim.

Louise Fitzgerald (05:25.564)
Mm -hmm.

Carla (05:37.559)
with a financial advisor and having a look at different options is a great way to have a look at kind of keeping up and overtaking that inflation, which is what we want, isn’t it really?

Louise Fitzgerald (05:48.284)
Yeah you’re absolutely right. I mean inflation has been so high over the past couple of years it’s only just starting to come back down to a sensible level now. Interest rates have been high as well so that has been good for cash savings but ultimately as the interest rates and inflation starts to come back down that’s when investments can really show their worth because they can outperform generally, outperform interest rates over the longer term. So although cash has been quite a good place to be for the meantime when you can get 5 % in a cash account which is brilliant why wouldn’t you do that?

But actually, as those rates start to drop, then turning your attention to investing could be the place to go, especially if you’re looking for long -term returns.

Carla (06:24.757)
That’s brilliant, yes. So, you know when it comes to thinking about savings for our children, how would you decide which option’s gonna be best for you? Is there any kind of way to do that?

Louise Fitzgerald (06:39.004)
it’s quite a personal thing to be honest. i mean i’ve got for my own kids, i’ve got pockets of money for them in loads of different places and in my head i say right that one’s for that, that one’s for that, that one’s for that and it will change depending on how much is in the pot at the time but

Carla (06:53.077)
Yeah.

Louise Fitzgerald (06:53.66)
Yeah definitely if it’s longer term money for example if it is those sort of far off events like potentially university house deposits and things like that because you’ve got time on your side you’ve got time for your investments to do really well so it would probably be worth looking at junior ISAs that were invested because they’ve got say 20 years if you start when they’re a newborn.

for example, or even if they’re sort of five years old or under 10, you know, you’ve got a whole range of years then for your investments to work really hard for you, which they tend to do, you know, over the short term, you might get some drops, which we always see at times time, but generally over the longer term, you’ll out ride those shocks and you’ll get a really good return. And then there’s no guarantees, as you say, with investing, but that’s why you need to have a long time horizon in mind.

because you can out ride those waves along the way and hopefully finish better off than when you started. But if it’s shorter term things you’re looking for, you know, maybe you know their school uniform, you know, you’ve got kids that are going to be starting school in a couple of years, that’s an expensive thing. Especially if you’ve got more than one child in school, school uniforms are not cheap. So if you want to just keep your money somewhere that’s not in your own bank account, you want to maybe earmark it for certain expenses along the way, then I think yeah, kids savings accounts in banks are brilliant for that.

The interest rates aren’t bad, you know you can still get about 3 or 4 % on them so you’re still getting something for your money and also it means you can dip into it whenever you like just for the expenses that you need.

Carla (08:16.789)
really good tip yeah because my son honestly I buy him a uniform he comes home without the jumper I’m like where’s the jumper? I don’t know we’ll never find it again then we have to replace it so yeah 100 % agree with the uniform side of things it’s just kind of I mean would you say to people and obviously I know it’s just information that we’re providing here but would you say it’s worth having kind of different

kind of baskets for your children if you can, like an instant access one and then a medium to long term one and then a longer term one. Is that quite a good way to kind of plan for your child’s future would you say?

Louise Fitzgerald (08:51.836)
Yeah I think so and that’s the approach that I take with my kids you know because there are things they’re going to need now or soon I know they’re going to need things later on in life whatever that is you know whatever they want to do they’re going to need something at some point that’s quite a big expense so yeah I always try and earmark different pots for different things and they do have different time horizons in my head so I’ll only keep cash for short -term things but I’ll invest for longer -term time horizons because there is that time.

got that time there to make the most of it.

Carla (09:22.997)
Yeah, that’s really good. Yeah, that’s really good information there. So, so what how I mean my son George blessing he every time we get money, I mean, it’s his birthday today. I know I’ve already said that but he is at eight. He’s eight years old. So he gets money now for his birthday. And it’s like how is a good way to get him to start kind of getting into that habit of saving instead of wanting to spend everything because I am a spender myself as well. So, you know, I’ll be like, oh,

I want to buy that and you know so so how how can you get a child to have those good saving habits?

Louise Fitzgerald (10:00.828)
it is really tricky because they don’t teach it in schools there’s no real financial education structure in schools so it’s up to us as parents to teach our kids about money and for us a lot of how we think about money comes from how our parents spoke about money or what they did with their money so it’s a really psychological thing so if you’re a spender you know were your parents that way for example or you know it usually kind of you copy yeah

Carla (10:25.621)
it went ahead.

Louise Fitzgerald (10:27.164)
So you just absorb those same actions as your parents did because that’s what you see them doing. So you think, oh, that’s how I should spend my money. And then you get other people whose parents squirreled away every penny and never spent anything. And you’ll probably find that they’re really good savers themselves because that’s how they were brought up and that’s how they think what you should do with your money should be.

so it’s really important with children to try and engage them as young as possible. i mean with my five -year -old she’s probably a little bit too young to go a bit in depth with stuff like this you know she’s only just starting to do simple maths at school and things like that but i do sort of say to her she’s very much like oh i want that mummy i want that and i’m like well firstly you know you know you know well actually i need that she says i need that.

Carla (11:09.525)
Oh yeah, everyone’s got it!

Louise Fitzgerald (11:11.836)
First of all you don’t need that, you want that. The other thing I say to her is well we’ll put it on your birthday list, we’re not buying it right now because it’s expensive and then I try and talk to her about what’s expensive and what’s cheap.

Carla (11:16.917)
Yes!

Louise Fitzgerald (11:26.332)
because in her head things just appear, food appears on the table, clothes appear in her cupboard she doesn’t really understand what happens when I work to earn money and then I spend that money on things so I think games can be quite a helpful thing to play as well I mean as you get older monopoly is a great one but for younger children it’s just trying to make it fun if you’ve got a piggy bank for example you know

get them to save their pennies in a piggy bank, make it a visual thing and then just try and talk them through. If you’re spending a large amount of money on a holiday or something, just try and sit with them and say, look, this is our holiday. This is what we’re getting for it, but it’s a lot of money. We’ve saved up for it or explain what credit card is. You know, a lot of kids might know what credit is. I didn’t learn about credit till I left school for crying out loud.

Carla (12:11.797)
I didn’t, yeah, I totally, I know exactly what you mean. And at the time, when you don’t know about it, you think, what? I can have money? What? I can buy that? And it’s dangerous, isn’t it? You know, you want to know about these things and you have to pay these things back.

Louise Fitzgerald (12:18.204)
Yeah!

Louise Fitzgerald (12:23.356)
Yeah.

Well this is it when you turn 18 and you get banks just putting credit cards through your door. I mean that was ridiculous, I don’t think they do it anymore but I remember on my 18th birthday I had at least a few credit cards landing on my doorstep and I was like I don’t even know what these are, what are these? I’m not touching them.

Carla (12:41.268)
Oh, yeah.

So you took the right approach. Yeah, I know well, it’s too easy, isn’t it? Because we always want something and you know, you know, your children will probably be the same when other people in their group or their friendship group have got something they want it, which is natural, isn’t it? But yeah, it’s trying trying to get them to understand the value of money actually saw. I think it was my lean class, actually. She started doing a little bit of the saving side of things. And she actually said that with her children, she

gets pasta out and it sounds a bit of dried pasta out and she actually says this is what mommy gets paid this goes on the bills this goes on this and this is what we’ve got left to get other things with and I thought wow that’s that’s really powerful actually for children to actually see what actually happens.

Louise Fitzgerald (13:15.548)
Yeah.

Louise Fitzgerald (13:31.324)
Well it’s a really good way of showing it because I mean I don’t know about you but I rarely use cash these days. You know if the school go oh you need to bring in five pounds for something I go well I haven’t got five pounds I can transfer it to you. Bye.

Carla (13:36.597)
No.

Carla (13:42.613)
Yeah, I’m the same. Yeah.

Louise Fitzgerald (13:43.292)
So for kids, money these days is just a number on a screen for a lot of us. It’s not physical money. They’ll get birthday money, like you say, and they’ll get notes and things like that, but usually they’ll have the coins and put them in a money bank or whatever, but we either spend the notes or we put them in a bank account. But still, there’s not a much physical money for them to actually see and understand. A bit of paper with the Queen or King’s face on doesn’t have any value to them, does it? It doesn’t really mean anything to them.

So seeing it in past there is, you know.

Carla (14:13.269)
Now he’s trying to get them to use the money, isn’t it? And saying, right, go to the shopkeeper and give them that. And, you know, then they don’t want to spend your, their own money. They want to spend your money. You know, so yeah, it’s just kind of trying to get in those habits. I mean, my son’s recently asked for a card, you know, like a card and then he, what’s that, sorry.

Louise Fitzgerald (14:23.772)
Yeah.

Louise Fitzgerald (14:34.012)
So that prepaid cards, yeah. One of those like prepaid cards, do you mean?

Carla (14:38.805)
Yeah, I think they’re like GoHenry. I know I’ve not tried this so I’m not saying it’s something to use but I know there’s a brand called GoHenry which I need to look into further but there’s different ones that children can…

have and I know one of my friend actually uses it and when her little one does like little jobs and things like that around the house they pay into this card and I thought oh that’s quite a good idea that way so I don’t know it’s quite hard isn’t it it’s probably having a bit of both really because the future unfortunately you know money is disappearing isn’t it really and a lot more people are using cards.

Louise Fitzgerald (15:13.66)
yeah yeah i think that’s quite a good way of doing it you know loading money onto a card for them to spend on whatever they want i mean gone are the days where you used to do some chores and get a quid or you know you get some money under your pillow from the teeth fairy i mean soon it’ll just be a bank account transfer won’t it

Carla (15:24.693)
Oh, yeah.

Carla (15:29.045)
Oh, I know. Well, that’s it. My little one lost his first tooth actually. It was quite late. It was only this year. And accidentally, we put, I think because it was his first tooth, we put £10 under there, right, which was extreme. I think it was meant to be a £5 first of all. And then we didn’t realise two were stuck together. Well, he came down and he was like, oh my goodness, I love this tooth fairy. I was like, what?

Louise Fitzgerald (15:51.132)
I don’t know.

Carla (15:57.429)
I love the two -thirds of mine. Yeah, it was like two tens and I thought, oh no, this is a disaster. So yeah, it was meant to be £5 but yeah, it ended up being ridiculous. So yeah, it’s getting them to understand the value. It’s something definitely I need to get better at myself. So…

Louise Fitzgerald (15:57.724)
You’ve set the standard now as well.

Louise Fitzgerald (16:04.604)
HAHAHAHA

Carla (16:20.533)
But in terms of like the tax benefits, obviously you mentioned about ISIS, that just means that, does that mean that when they take the money out, they won’t pay any tax on it? How does that work?

Louise Fitzgerald (16:31.42)
Yeah, so it means any money you pay into a junior ISA is tax free. If it’s invested, then any investment returns, that’s all tax free. If it’s a cash ISA and you’re getting an interest rate, you don’t pay any tax on that. And then it means at the end, when you come to take the money out for whatever purpose, there’s no tax then as well. So for example, if you paid just if you did say in year one, you paid in the full £9000 allowance, and that’s all you did. And you just let it say sit there for 20 years. If you did it when they were newborn, you took it out when they were 20.

Carla (16:36.661)
Right.

Louise Fitzgerald (17:01.372)
If for example those 20 years had seen you double your money and you now had £18 ,000 in the junior ISA, you can take that all out completely tax free because ISAs are completely tax free.

Carla (17:12.629)
Yeah, we definitely want to be taking advantage of that, don’t we really?

Louise Fitzgerald (17:16.732)
Yeah, I mean our junior ISAs are good because the money does become the kids when they turn 18 so I think it’s always another it’s a good way to educate them as well when they get a bit older as they get towards 18 to say look we’ve put this money aside for you it will become yours at 18 so you that’s the thing with an ISA is it has to become theirs when they turn 18 but then I think it’s your job then to say look don’t go and squander this on you know whatever you’re doing we have earmarked this for X Y & Z.

So make sure that you’re not spending it on things you shouldn’t be, but that’s part of the education side of it as well.

Carla (17:51.029)
Yeah, yeah that does make sense. So with investment options would ICES be the only option for long -term savings for children or are there other options available?

Louise Fitzgerald (18:03.836)
There are other options. Junior Ises are one of the best ones because they’re tax free. They’ve got all those tax advantages and with £9 ,000 allowance every year there’s a massive potential there to save loads of money for your kids in a short space of time. So Junior Ises I think would always be a good first port of call if you’re looking for saving for your kids. There are other ways you can do it too. So not many people know but you can actually have children’s pensions. So these are obviously long long long -term savings plans for your kids.

but if you want to set them up for a good retirement you can start putting money away for them when they’re children so there are limits on how much you can pay in but again if you’ve got like a 60 year time horizon until they’re going to retire you could only put in a small amount of money and potentially it could grow really well over those 60 years and it could give them a really good little pension at retirement as well but you cannot access that money early.

they’re not allowed to dip into it at any point. So you have to be comfortable that that is a long -term investment and they can only get it when they retire. And you can only pay in at £2 ,880 a year in and then they get tax relief from the government on that. And so that they gross up to £3 ,600. So even though they’re not technically earners, cause you know, kids aren’t working, they can still get tax relief on their pension contributions, which is quite a nice little, you know, it’s quite a nice little tax relief there.

so it does have its advantages saving into kids pensions but yeah you can’t get that money out anytime soon.

Carla (19:31.253)
So if you were a high rate tax payer then and you obviously you’ve utilised your own ICES and you’ve utilised your own side of things you could potentially pay into your children’s eyes first and then pay into the pension and that would become tax free for them in the future.

Louise Fitzgerald (19:50.62)
Yeah, so you definitely yeah, so start paying into junior prices for your kids. And then if you do want to pay into a junior pension for them as well, then yeah, you get they’ll get that bit of tax relief as well, which is brilliant. And it can be it can be another really good way to save for them.

Carla (20:05.717)
Yeah, yeah, no that’s really really good. So also obviously we talked a little bit about banking and saving in those, is there any way to kind of make sure that your income is always, well your savings sorry should I say, is always keeping up with inflation or is it just something that you need to just keep an eye on on a regular basis?

Louise Fitzgerald (20:27.996)
Yeah, I think recently inflation has become a thing that more people are aware of and just monitoring more closely because of the impact it’s had on the UK over the past couple of years. And I think, you know, cash most of the time, it doesn’t keep pace with inflation because when interest rates are low and inflation is high, your money’s getting, the value of your money is getting eaten away by the value of inflation. So there’s always that worry if you’re holding too much cash.

That’s why investments can work in your favor because a lot of the time they outperform against inflation over the long term. So investing is really key in trying to outpace inflation over the longer term. But again, you know, I wouldn’t invest for the shorter term because there is a risk you might get a downturn and you know, over the short term, which we have seen happen, especially recently. But yeah, it’s all about sort of…

depending on how long a time horizon you want to invest for or you want to save for that plays a key part in deciding whether you save as cash or whether you invest and also how willing you’re how much risk you’re willing to take with your investments too so if you’re not willing to open up your money to risk then investing is not for you because you have to be open to investment risk whether it’s low medium or high risk there’s always a risk with investing that you could lose

some or all of your money, especially over the short term, and you’ve got to be willing to accept that, otherwise, steer clear of investing altogether.

Carla (21:54.805)
great and if someone comes to you Louise and they’re thinking of investing you I’m assuming you would run through like a risk assessment side of things with them so it’s not like oh we’ve phoned Louise now we have to invest everything is done with you know caution and you go through everything with them before they kind of agree to that is that correct?

Louise Fitzgerald (22:18.908)
Yeah exactly, so with every client we always do a risk profiling so that’s working out how they feel about money, what their capacity for losing money is. If they’ve got almost no savings and they’re living on the breadline then they’ve got no capacity to lose money so I wouldn’t suggest investing. But if their situation is different, and it also depends on their history with money as well, how they were brought up, as we said that’s all psychological as well, but that all impacts how we view money and how we view risk.

So that all gets looked at in terms of risk profiling and then we use a 1 to 10 scale for risk so you know you’ll get put somewhere on a 1 to 10 scale and then you know I’ve put together a portfolio based on that risk profile but it does also look at how much cash you’ve got because cash it’s a liquid asset there’s no risk with it so that if you’ve got a lot of cash that’s not ideal in some cases but it depends what it’s for some people want it for a house deposit for example so they’re just holding on to it for the short term.

which is completely fine. But yeah, it depends what you’re trying to use your money for.

Carla (23:19.989)
sense it does. It is just about thinking about your goals I guess and seeing you as their financial advisor is a great way to kind of look at that right what do I actually want what do I want do I want to send my newborn baby to a private school how many years have I got like a private secondary school how many years I’ve got until then and kind of working backwards from there with you and to make sure you achieve your money goals really.

Louise Fitzgerald (23:48.636)
yeah absolutely we always have to try and work backwards like you say you know where do we think their life might go what do we think they might need and then try and plan for that in advance I mean it doesn’t always work like that and for a lot of new parents they don’t have the spare cash to do this sort of thing so it’s maybe something to be mindful of and then maybe as they get a bit older if your situation changes then maybe that becomes an opportunity to start saving for your kids future.

but it’s definitely something to just be aware of certainly and if you can afford to put money away from the very beginning then I would absolutely suggest you do so because the advantages can be fantastic.

Carla (24:22.421)
Yeah, yeah, and you did mention about the child benefit and putting that away. I know a couple of my friends actually do do that for their children and it’s really, I mean, the little one is seven now and it’s really, really added up. Obviously.

Louise Fitzgerald (24:35.676)
Yeah, exactly.

Carla (24:37.589)
like you said, you know, there’s a risk attached with investing and things like that. And that’s something that you go through. But you, but you deal with all sides of the finances, the finance side, so protection, obviously looking at pensions and things like that as well. So would you mind just sharing a little bit about how our audience can contact you, how they can find you and what you can help with if that’s okay Louise.

Louise Fitzgerald (25:00.028)
Yeah absolutely so as you said I do advise on all areas of financial planning so that’s the pensions, its savings, its investing, its protection policies so that’s life insurance, income protection, all those sorts of things and certainly when you have kids I think a lot of people reassess their life insurance position and things like that because it just makes you a bit more aware about having a dependent to certainly who relies upon you and things like that. So I can help in all those sorts of areas.

I offer an initial consultation that’s completely free of charge and I can do that either by zoom or face -to -face or by phone call whatever people prefer. Please by all means reach out to me even if you just got a question I’ll be happy to answer it so you can reach me on email at louise .fitzgeraldatsterlingandlaw .com you can give me a call on 07891 039 256

and I’m also really active on social media so I’ve got a YouTube channel which has got so many videos just information about finances and back to basics and things like that so you can find me on YouTube if you just look for Louise Fitzgerald IFA I think Money Mental something like that but you can find me there and on things like Instagram and that you know I’m always quite active on social media just trying to sort of raise awareness for things like this.

Carla (26:06.837)
Yeah.

Carla (26:13.525)
Oh, I love that. And we’ll put all Louise’s links underneath this podcast so you’ve got access to them. You can just click straight through. Louise, you’ve been amazing. I’ve loved talking to you today about savings. It is something that I definitely need to get better at myself, to be honest. So it’s been really insightful.

Louise Fitzgerald (26:28.444)
It’s been a pleasure and I hope it just makes people maybe think a bit about it even if they’re not in a position to do anything now but just have it on their minds maybe and if they get some cash at Christmas or something like that you know just put it somewhere new, somewhere different and you know maybe think a bit more long -term with it.

Carla (26:47.349)
I love that. Thank you so much Louise. And as I said, Louise’s links will be underneath. Definitely have a chat with her and give her a follow on social media because like you said, you’re very active, lots of useful tips and the YouTube channel as well. Don’t forget to subscribe to that. So thank you so much Louise.

Louise Fitzgerald (27:03.644)
Thanks Carla, it’s been brilliant.