One thing you can at least ignore, is the stock market / money market; having any baring on anything.  It's a play ground for " Hedge Fund" managers and other " Bums " like them, who thrive and drool over volatility ( the more the better ) because while your savings / pensions may be getting decimated.......they're raking in £ billions and controlling the market in the process, to suit their own purposes.........some things never change.