Pension Or ISA For Early Retirement?

If you’re blazing along the path to financial independence and hellbent on retiring young, should you invest in a Pension or ISA? Traditional retirement advice – which promotes saving around 10% of your salary into a pension–won’t allow you to retire in your 30’s or 40’s. And with pension contributions locked away until you’re 55, …

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What to do if you Hate your Job and can’t Afford to Quit

What to do if you hate your job and can’t Afford to Quit Humans are the only species known to continue doing tasks we hate for extended periods of time. Why? Well, it could be that meddling big brain of ours festering in anxieties that don’t actually exist. We fear the unknown, how our family …

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Investing Is A Unique Kind Of Casino

The stock market is often seen as a gamble – a playground for the wealthy, where fortunes are won and lost overnight. But unlike gambling, it’s possible to consistently win at the “game” of investing… as long as you play by the rules. These rules make investing in shares simple, much less risky, and make …

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Swagbucks Review – Make Money From Home?

If you’ve been searching for ways to make money online, you’ve probably come across Swagbucks. Here’s my experience and honest review of Swagbucks. With a cool sounding name and the website’s tagline promising to “put cash back in your wallet”, Swagbucks seems a money-making opportunity too good to pass on. To satisfy my curiosity and …

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Asset Allocation: What It Is And Why It Matters

What Is Asset Allocation and Why is it Important?  “Ten grand has been wiped from my pension!!!” That was the panicked cry of a friend who had checked his pension at the start of the COVID-19 outbreak. Concerned over whether prices were going to plummet further, he was looking to take action. I suggested he …

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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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Hacking The Big 3 –Slash Your Housing, Travel and Food Costs

When I first got interested in personal finance, I stumbled across a blog called Early Retirement Extreme (ERE). The blogger behind the site, Jacob Lund Fisker, lives on just $7,000 a year! Extreme frugality allowed Jacob to retire at 30 after just five years of saving. Financial independence was something that really appealed to me, so I followed Jacob’s …

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The 7 Levels of Financial Independence

Achieving Financial Independence is often thought of as an either-or thing. You either have enough passive income to cover your living expenses or not. But financial independence (FI) isn’t so clear cut. There are “levels” of FI. You progress through the levels the more money you invest. Each level provides more freedom and economic stability. The stages aren’t …

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11 Ways To Invest with £1000

So, you’re ready to invest with £1000. First off; CONGRATULATIONS! But let’s keep the celebrations short and get your money working for you ASAP. So, where’s the best place to invest your savings? Having never invested before, you’re understandably nervous. You don’t want to lose the money that you’ve worked so hard to save. If …

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