I Don’t Get the Fuss About Early Retirement
Early retirement. It’s the holy grail of personal finance, isn’t it? Entire communities have sprung up around the idea, fuelled by promises of cocktails by the beach, no money worries, and the ultimate dream: the freedom to choose how to live your life. It’s alluring, I’ll admit. But it…
How to Make £100 in 24 Hours from Nothing
One grey, rainy afternoon years ago, I was sitting at my kitchen table, staring at my dwindling bank balance, wondering whether and how I could make £100 in 24 hours. At the time, I had no savings to dip into, no convenient fallback. It seemed impossible at first—like magicking…
Our Money Housekeeping for 2024 (An Expensive Year)
At the start of each year, I conduct my money housekeeping exercises, confronting reality even when it is daunting. One may be reluctant to face what is uncovered. Today, my friends is the day to reflect on 2024 and see how we did. I will follow the “Essential Money…
Buying Gold Coins as an Investment (& Why It Makes Sense)
Yes, my friends, I have been buying gold coins as a wealth-preservation strategy. What you see above is my very first gold coin, minted by the Royal Mint. This isn’t just a shiny piece of gold—it’s my venture into buying gold coins as an investment, and I hope it’s…
Understanding Financial Health (& the Dream of Prosperity)
Our understanding of financial health often reduces the concept to numbers—how much you earn, owe, and what’s left in your savings account. But if you’ve ever been scared to open a bill or felt like your dreams were slipping away because of money worries, you know financial health isn’t…
Is the Nutmeg Stocks & Shares ISA Worth It?
Are you thinking about expanding your ISA portfolio and eyeing Nutmeg? Let’s break down what Nutmeg Stocks and Shares ISA offers seasoned investors, from features to performance. In this review, I’ll share my ten-year experience with Nutmeg Stocks and Shares ISA, including insights into performance and the lessons I’ve…
100 Great Business Ideas (A Sector List to Get You Started)
Are you considering starting a business or a side hustle to make more money and discovering that brainstorming great business ideas can be challenging? You are not alone – many before you have been caught between the excitement of a new venture and the paralysing anxiety of the unknown….
Free Income and Expense Worksheets for Better Budgeting
Managing your finances doesn’t have to be daunting, especially with many free income and expense worksheets available. These easy-to-use tools help you track where your money goes, plan, and, most importantly, gain control of your finances. You can create an income and expense worksheet or use a free budgeting…
100 Words on the Surprising Benefits of Paying Off Debt
Paying off debt offers more than just financial relief—it provides surprising benefits that can improve your overall well-being. First, it reduces stress and anxiety, giving you peace of mind and freeing mental space. With no debt, you gain control over your income, allowing you to save, invest, or spend…
Debt Snowball vs. Debt Avalanche: How to Pay Off Debt Faster
Debt is like that naughty friend who shows up at your party and refuses to leave. You politely ignore it at first, but the longer it lingers, the more uncomfortable you feel. It takes over your thoughts, drains your wallet, and keeps you from living your best life. But…
How to Stop Worrying About Money (& My Experience)
Learning how to stop worrying about money is the first step toward financial liberation. Worrying diverts too much energy from important matters like living and enjoying life. Behind closed doors, most of us have simple desires concerning our finances. It’s not about luxury and excess but the freedom to…
How to Create an Income and Expense Worksheet?
Managing your finances can feel daunting, but creating a simple income and expense worksheet is a fantastic way to gain control over your money. The good news? You don’t need to be a technical whizz or a spreadsheet expert to build one. This step-by-step guide will walk you through…