Tag Archives : Financial Improvement


Understand Accounting To Be A Better Investor – Earnings Vs Free Cash Flow

One of the mantras I keep iterating on this site is that for you to be a successful investor, you need to understand accounting. I wrote about this in a post titled ‘Investors Need To Understand Accounting’. Reading and understanding an annual report will give you the clearest picture of a business and where it is headed. The accounts can show you whether a companies earnings are real or if they are just being magicked up. Conversely, knowing accounting and its intricate rules can help you understand a balance sheet and find hidden value in companies. As I have mentioned before, for those that don’t understand accounting or don’t have […]


FTSE 100 Index – Invest In 100 Companies At Once

The FTSE 100. You have probably heard of it. But do you know what it is? Contrary to popular belief, the FTSE 100 is not a fund. It is simply a stock market index. Though there are many funds (index funds) that track the performance of the FTSE 100. This article aims to answer any questions you have on the FTSE 100 and will look at the cheapest ways to invest in a FTSE 100 tracker fund. What is the FTSE 100 index? The Financial Times Stock Market 100 or the the FTSE 100 is a share index of the 100  largest companies by market capitalisation listed on the London Stock Exchange. The […]


Not All Money Is Made Equal

When I started my career, I was focussed on active income. Income that I had to work day after day for. I only got paid if I put in the effort by going to work day after day. I was pulling in £27,000 a year from my day job. In order to attain this, I worked very hard. I often worked 45+ hours a week and was exhausted by the end of it. Having no time during the week, I did most of my chores and shopping on Saturdays and Sundays. The became had barely enough time for me to recharge in order to do it all again. This is […]


A Good Financial Independence Story

One of the things I enjoy doing in my free time is reading about Financial Independence. Stories from people who have already achieved financial independence are of particular interest as it reignite my fire within and keeps me motivated on my own journey. A post I read recently was particularly inspiring. The author, who lives in Toronto Canada, breaks down his life into 11 stages and shows how he built a six figure passive income portfolio before he turned 50. What is particularly great about this post is that the author only started investing in dividend paying stocks later in life. In fact, he made a lot of financial mistakes […]


December Stock Market Purchase – Inverted Yield Curve and Panic

December has been all about the yield curve. The yield curve is a curve on a graph in which the yield of fixed-interest securities is plotted against the length of time they have to run to maturity. A yield curve is almost always upward sloping, a sign that the economy is functioning properly. In short, you would expect interest rates to be higher the greater the length of time of a security. A 10 year bond should have higher interest rates than a 1 year bond in order to tempt buyers to buy longer dated bonds. The yield curve inverts when long-term debt instruments have a lower yield than short-term debt instruments […]


Smartpolak interviews MG

About a year ago, a reader of the site (Pawel) got in touch with me via the contact form on the site. He had just come across the concept of Financial Independence and was intrigued by the concept. Pawel was in touch to say how much he enjoyed this site and had a few specific questions to ask. Ever since them, Pawel and I have been in regular contact with each other. So when he asked me for an interview for his sites smartpolak and smart roman I was only too happy to oblige. Please find the interview below. Enjoy. Let’s start with general question about Money Grower blog. When […]


Four Years of MoneyGrower


November 2018 is a special month. It has been four years since I started the Moneygrower site. I wanted to thank all of you who follow my humble site. I didn’t really expect that I will still be going strong for 4 years in a row. I also never expected that this site will become so popular, with 12,000 – 15,000 monthly views. I also get countless thoughtful emails for which I am grateful for. When I started the site, I had no real knowledge of personal finance. Yes I did a masters in finance degree and worked in both a bank and an accountancy firm. One might think that […]


The Benefits of Financial Freedom (FIRE)

The Financial Freedom Retire Early (FIRE) movement seems to be slowly creeping into mainstream media. Just yesterday, there was an article in the Guardian regarding this. Whilst FIRE getting more mainstream attention is good, I don’t think the world is ready for this movement just as yet. To see what I mean, just go and have a look at the comments section of the Guardian article I mentioned earlier. It looks like the majority of readers simply can’t comprehend the idea of financial freedom. Most of the comments are negative. People want an easy fix to their problems and attaining financial freedom is hard work as you need to save […]


The Mutual Fund Game Is Rigged In The Managers Favour

I have alluded to fees being an antithesis to performance many times over the past few years. Fees are the main reason why index funds outperforms actively managed funds. The following from famed venture capitalist Chris Sacca further cements why fees are an investors worse nightmare and that mutual funds are rigged in the managers favour. Although the comments below are to do with venture capital but it could as well be applied to mutual funds. Have a read and see whether or not you are still comfortable holding your money in a mutual fund. Chris Sacca on Fees: “This is a rigged game, right? And I’m just looking to […]