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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My 5 Biggest Money Mistakes

I made plenty of money mistakes in my youth, and I also made some idiotic decisions in general. At one point, my life was a financial mess. I lived in my overdraft, carried credit card debt, had two car loans, and I was quickly racking up student loans. I was 20. In two years of officially …

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If I Were A Home Economics Teacher

Chances are, you received minimal financial education – if any. Very few children are fortunate enough to have financially savvy parents. I wasn’t taught anything about money growing up. As a result, I made plenty of money mistakes in my younger days. Racking up credit card debt, I had two car loans at one point, and …

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Making The Most Of Each Payday

I used to spend my salary months in advance. I’d walk around with a mental shopping list ready to go nuts as soon as my wages hit my account. I knew that saving money was important, but it was something I’d get to after I bought X, or did Y, or when I was earning …

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What Does Being Rich Mean To You?

  What does being rich mean to you… Is it owning a big house and a nice car? Being able to buy whatever you want? Having a net worth of £1 million? £10 million? What about £100 million? Most people would say that being rich is having enough money to do and afford anything you …

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May Stock Market Purchase – Be Selective

Four years ago Hendrik Bessembinder, a finance professor at the Arziona State University, published a very interesting paper on stock market returns. It showed that despite the tremendous stock market gains over the past century, most stocks are actually duds. In fact, of the roughly 26,000 stocks listed between 1926 and 2016, more than half …

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Finding Value In This Crazy Bull Market!

March 2020 seems a very long time ago. Over a year ago, the markets had dropped 30% in just 20 trading days to make it one of the fastest bear markets dropped ever. The drop was so severe and the panic was so substantial that there was calls to shut down the stock market! Blood …

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April Stock Market Purchase – LSEG

Global stock markets have been a bit mixed during April, though the FTSE 100 and FTSE 250 have posted positive returns. Reopening optimism continues, somewhat tempered by the announcement of further lockdowns in Europe following a rise in cases, and a less positive trend in economic leading indicators versus expectations. Metal and energy prices continue …

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First Quarter 2021 Dividend Income

It has been an interesting start to the year. From the doom and darkness of January to the sunshine and hope of spring. January seemed to go on forever. The darkness and lockdown did not help. The days were all the same. There was no end in sight. But as I type this, I ask …

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