The Emergency Fund – Financial Priority No. 1

Have you got an emergency fund? Shockingly, many adults don’t have enough savings to sustain their lifestyle for just four weeks if they lost their job. Suddenly losing their income or having a large unexpected expense could start the chain reaction that leads to financial devastation. Massive debt, bankruptcy and even homelessness are very real possibilities. Scared yet? You should …

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Tracking Expenses: Simple Habit Big Savings

Tracking expenses could be considered a little bit weird – especially if you do it how I do it and carry a money diary in your back pocket. However, it’s one of the best financial habits I’ve adopted. It brought awareness to my spending, and I stopped wasting money on things that weren’t bringing me value. It …

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Introducing FIRE: How To Retire Extremely Early

What if I told you it was possible to retire in your 30’s? Would you believe me? Would you want to? For most people, early retirement would be age 55 – provided you’ve built up a big enough private pension. Retiring any younger is often met with a raised brow. “Did you win the lottery? …

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Personal Finance 101: How To Create A Budget

How to create a budget, step by step. Not being able to stick to a budget is a major reason people get into debt. And once you’re in debt, it’s an uphill struggle to climb out of it, as you work harder and harder to pay back growing loans. Sticking to a budget may not …

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10 Food Shopping Tips That Will Save You Hundreds

Today I’m going to share with you my top 10 shopping tips that will save you hundreds. I always like to get as much bang for my buck when I go for my weekly grocery haul… come to think about it, I do that with everything I buy. But with food being one of my …

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Embracing Frugality (Again)

As I write this, the world is amidst a crisis. COVID 19 has changed life as we know it. Everyone has been affected in some way by the virus. From a monetary viewpoint, the upset is astronomical. The economy has ground to a halt. Businesses have been forced to close their doors, all non-essential work has stopped, …

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How Much Money Do You Need To Retire Early In The UK?

Have you ever dreamed about packing in the J.O.B. way before pension age? The thought has probably crossed your mind – like, every Monday morning. What stops most people from acting out that fantasy is a lack of winning lottery numbers. But in all seriousness, how much do you actually need to retire? £10 million? £5 …

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10 Budgeting Tips For Easy To Stick To Budgets

When you hear the word budgeting tips, it’s like that feeling when you’re full flow on the dance floor – cutting shapes that would make Michael Jackson proud – and then the lights come on. “What?!?! It can’t be home time already! The party’s just getting started.” But budgeting is not the party killer everyone …

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There Are Only 3 Investments

Investing must be one of the most misunderstood concepts. And no wonder… People talk about investing in their education, investing time in their relationship and even investing in a new winter coat. The financial world only adds to the confusion; gold, art, stamps, classic cars and barrels of whisky are often seen as safe havens …

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Lump Sum Vs Drip Feeding Investing – Which Is Better?

Lump Sum vs Drip Feeding  So, you’ve found yourself with a wad of cash to invest in the stock market – you lucky so and so! And being a smart investor, you’re aware of the perils of trying to pick winning companies, and you’ve wisely decided to invest in index funds  But now you’re faced …

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