SAN PEDRO DEL PINATAR, SURVIVING SPAIN, MONEY, LEGAL AND FINANCIAL MATTERS

Spain's Autumn Budget Summary, with Blacktower Financial ManagementKey changes in Spain’s fiscal plans and UK Autumn Statement proposals that may impact you As we move through 2025, both Spain and the UK are undergoing significant tax and regulatory changes that may affect your financial planning. Below we.. 03/10/2025

Stay on top of regulated charging times in Spain with the Tarifa Hora Android AppThis innovative mobile app helps Spanish households navigate changing electricity time bands to reduce monthly bills Managing electricity costs in Spain can feel complicated, especially with the changing regulated charging times. These time bands.. 10/09/2025

Confuzo.com: Making savings on electricty, gas and insurance in Spain simple for expatsHelping residents in Spain compare electricity, gas, insurance and more with ease Many residents in Spain often find themselves overwhelmed by the sheer number of options when it comes to utilities and insurance. Understanding electricity charging times..

Why every expat in Spain should fix their funeral costs todaySecure your funeral for just €500 with Compare Funerals and get free will advice with every plan Planning ahead for a funeral may not be something most of us want to think about, but it can make a huge difference to both cost and peace of mind.. 01/09/2025

Non-EU property owners in Spain can now deduct rental expenses and receive tax rebatesSpain’s National Court has ruled that preventing non-EU property owners from deducting rental expenses violates EU law, a decision which allows non-EU investors to claim substantial tax refunds and reduce future liabilities Until recently, non-EU..

Buying a house in Murcia just got cheaper: Lower taxes on property transfers and wealth tax from 2025Regional government reductions in the property transfer tax and wealth tax aim to attract investment in real estate As of July 25, 2025, the Region of Murcia government has implemented significant tax reductions affecting real estate transactions.. 30/07/2025

New IRPF deductions for residents in Murcia from 2025The new changes aim to promote health, sustainability and support for families and vulnerable groups A series of new deductions for Personal Income Tax, known in Spanish as the ‘Impuesto sobre la Renta de las Personas Físicas’ .. 30/07/2025

What are the pros and cons of voting to ban tourist rentals in my community?Communities across Spain are holding EGMs to decide whether or not to continue allowing tourist rentals in their buildings, resorts and urbanisations, which has left many people wondering: “What way should I vote?”     Skip..

Pre-paid vs insurance funeral plans: Which is best for expats in Spain?A practical comparison for those living abroad and planning ahead for end-of-life arrangements Moving to Spain offers many rewards, from warmer weather and relaxed living to lower costs and better healthcare. But for many expats, planning for end-.. 07/07/2025

What happens if you die without a will in Spain?Here’s what happens to the money if someone dies and doesn’t have a will for Spanish assets Dying without a will can lead to significant complications, especially in a foreign country like Spain, where inheritance laws may differ considerably..

Navigating UK pension transfers to Spain: A strategic approachBlacktower Financial Management can help transfer a UK pension to Spain for expats by Keith Littlewood, Blacktower Financial Management   The landscape of transferring UK pensions to Spain has continued to evolve, reflecting changes in.. 04/06/2024

Tax-efficient investing in Spain: A guide to maximising your wealthMake the most of your investments in Spain with professional advice by Keith Littlewood, Blacktower Financial Management   Investing in Spain offers a unique blend of opportunities and challenges, particularly when considering the tax implications.. 17/05/2024

Ensure you have the best people for your business in SpainSecure top talent for your business with WorkinSpain In a competitive business market, the success of your company in Spain hinges on the quality of your team. Ensuring you have the best people available is paramount to staying ahead of the curve... 23/04/2024

Get your finances up to date in 2024: Blacktower Financial ManagementIf you want to ensure you have a prosperous New Year, then read on By Keith Littlewood, Blacktower International Financial Advisor   Next year, Blacktower will be conducting workshops in the Costa Calida area on the following subjects: &..

Blacktower shares 3 steps to turn your cryptocurrency profits into an investment for your futureMany people have already found the benefits of making money with cryptocurrencies, but what should you do with that wealth once you’ve got it? Blacktower answers all your questions… By Keith Littlewood, Blacktower International Financial.. 11/02/2022

Becoming resident in Spain: what about taxes and finances?Prior to Brexit, many people were trying get away with not declaring their taxes properly in Spain By Keith Littlewood, Blacktower International Financial Advisor   The Hacienda tax authority can see you’re living in Spain by looking.. 04/11/2021

Getting easy-to-understand financial advice in SpainSpanish bureaucracy and constantly changing rules can be extremely frustrating, so where can you find straightforward help in plain English? By Keith Littlewood, Blacktower International Financial Advisor   I have been living in Spain now.. 20/10/2021