I like to read a lot about personal financial management. Here’s a few blogs I’ve discovered along the way. You might be laughing at me now – blogs, really, in these days of YouTube and Instagram? Fair enough, but there’s value to be found in reading and in long-form content, Read more…
In 2018 a thinktank called the Resolution Foundation published a fascinating report on pay volatility in the UK. Their findings remain relevant today, may be even more so given the economic fallout from COVID-19. The research was based on anonymised month-to-month data from seven million Lloyds Banking Group bank accounts. Read more…
6th of January – Wow, my usual gym is busy. Very busy. New faces everywhere. We all know the story… By February it’ll go quiet again and I can relax. On new years eve, while I was on holiday with some friends, we all went around the table to say Read more…
People don’t like to lose. We associate unpleasant emotions with it, like sadness, pain and frustration. Indeed, we’re hard wired to avoid losses. Especially when it comes to money. Finding £100 is nice, but being out of pocket £100 is just not on. When we make decisions we tend to Read more…
Are you tired of living pay cheque to pay cheque? Do you feel like your financial circumstances haven’t really improved in the last two years (or even went backwards)? Do you wish you could just make more money? It’s time to start thinking differently. According to The Bogleheads’ Guide to Read more…
We live in a society that frowns upon usual, regular and average. Instead, we’re told we should be focused on achievement. In certain contexts, however, usual, regular and average can represent achievement. Pay is one such context. Hang on, you say, surely a large pay packet is a sign of Read more…
There are lots of apps on the market designed to track your spend, create budgets and find ways to save. I’ll let you into a secret: these apps won’t really help you unless you’re motivated to change your behaviour. Sure, these apps will provide insight into where and how you Read more…
Work smarter, not harder. Whether you work in an office, hospitality, or in the construction industry – we all need to manage our time better. That’s why we came up with 5 quick ways that can help you begin working smarter today: Two week backlog – For those with a work inbox, Read more…
If your income is inconsistent it can be really hard to budget. Here’s a couple of tricks to help you out based on my own experience dealing with uncertain cash flow. Know your average pay Rather than guess what you’ll earn, use what you earn on average. This keeps Read more…
Getting that ‘yes’ call is great. For some it may have been months of hard work leading up to this point; sending out C.V.s, second round interviews, and experiencing countless rejections. It’s tempting just to accept a job offer immediately for fear of it slipping away. Many people do. In Read more…