Belt Tightening

save money Jul 15, 2022

Under normal circumstances, I am not one to recommend people reducing their expenditure lightly (well, not expenditure that they actually want or need anyway). You see, I want people to have a great lifestyle. Having nearly died, I have seen how important it can be to live for the here and now because you don’t know how many tomorrows you will have.

As such, I would usually recommend that if people want to begin saving, investing or paying off debt, the best thing to do is to try and...

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Questions To Ask Before Using An App To Track Your Budget

save money Jun 23, 2022

During times like these, a lot of people will be considering upping their budgeting game.

Budgeting has so many benefits not just for your finances but for your mental health as well. From feeling more in control of your money, feeling more comfortable with spending on things you want and sleeping better at night, there are so many reasons why you might want to start budgeting – read more here.

So, if you are going to begin keeping a monthly / weekly budget, then the next thing to...

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Things Have Gotten Out Of Hand

make money May 25, 2022

I rarely write about individual stocks, so when I do, something must be up.

The reason I rarely write about individual stocks is because I think it is very, very difficult (almost impossible) to consistently pick winning individual shares. If you build a portfolio of 20 “really promising” individual shares, chances are that 10 will go up and 10 will go down. Perhaps you get lucky and 12 go up and 8 do down, but you get the point.

I think there is perhaps room for investors to hold...

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Don't Panic, Take Action

make money save money Apr 26, 2022

Times like these can be really tough. It seems that every single day at the moment there is a new story in the news about how the cost of something is going up or how supply chains are being disrupted.

Already, there are reports of families who were previously only just making ends meet now having to make choices between ‘heating and eating’. These are scary times and it can seem a little hopeless.

In my conversations with clients in the Financial Planning business, it is clear...

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So What Is Lifestyle Inflation?

save money Mar 23, 2022

I wrote last month about the current inflation problem we have here in the UK, in the US and in pretty much every other country in the world.

Inflation is simply a way to describe rising prices. If a loaf of bread cost £1 last year and now costs £1.05 – we have 5% inflation – the cost has gone up by 5%.

If an iPhone cost £1,000 last year and now costs £1,100, we have 10% inflation etc.

The inflation we are experiencing at the moment is really dangerous....

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This Isn’t Lifestyle Inflation, This Is Just Inflation

make money save money Feb 18, 2022

A lot has been written in recent months about rising inflation and the impact that this is having on living standards.

I often write about ‘lifestyle inflation’. This is where someone’s lifestyle or spending often increases as fast as (or even faster) than their earnings as they earn more or receive bonuses or pay rises.

Lifestyle inflation is very dangerous as it prevents you from ever reaching financial freedom. If your expenses are increasing at the same (or a higher)...

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Welcome Back!

millennials Jan 23, 2022

You may have noticed that I haven’t posted in a while. A combination of significant growth in the financial planning business (both in terms of headcount and revenue) and the continuing challenges of the pandemic have meant that the blog had had to take a little bit of a back seat… and I’m ok with that.

There is no such thing as time management – just priority management – we all have the same 24 hours in the day to spend as we please. Over these past 8 months...

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The Benefits Of Investing In Dividend Growth Stocks

make money May 16, 2021

Today we have a guest post from Bob Ciura from Sure Dividend. Sure Dividend produce a ton of free and paid research and articles for those who wish to build a portfolio of reliable, dividend paying stocks. Take it away Bob!

Why Investors Should Buy Dividend Growth Stocks For The Long-Term

Momentum trading, which involves purchasing stocks that have exhibited great recent performance, has some enticing advantages that have led many investors to follow this investing strategy. The most...

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The Millennial Money Masterplan - Coming Soon!

make money Mar 21, 2021

Back in May 2018, I put 'pen to paper' (or 'fingers to keyboard' more accurately) on a new book.

The big idea was to create a system that any Millennial (or anyone really) could use to achieve True Financial Freedom.

It was a big ambition, but one that I deeply believe in. You see, I don't think that Financial Freedom is only available to people who are 'special' or who are born into money. 

I think that anyone can achieve their own version of freedom and the steps required to get there...

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How To Improve Your Finances During A Crisis

save money Aug 11, 2020

I know the headline above will have a lot of people wondering what the heck I am on about. Improve my finances in a crisis? Doesn’t he know what the word crisis means? My finances are in the toilet right now! 

Rest assured, I do understand the pain that some people are going through right now - emotionally, spiritually, physically, socially. The pandemic, unlike some crises before it, has had an impact on all of these areas. Pretty much every part of human life has been touched by...

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