Achieving Financial Health: A Journey to Financial Freedom
Achieving financial health is the smart goal if you wish to build sustainable wealth. Abandon the youthful dream of riches to become financially healthy – and wealth will follow. “It would be lovely to take several months off work and travel around the world, training with different groups in their…
What is Brittle Financial Health? (& Financial Fragility Test)
Some people dream about being rich. Some yearn for financial health, paving the path to sustainable wealth. Some only dream while living with brittle financial health. They dream of riches, of healthy money habits, and of waking up with growing investments instead of debt. Then, they wake up from…
Understanding Personal Financial Fragility (& Its Effects on Life)
Are you one of the people who don’t have enough savings to cover a 25% drop in earnings? You are not alone. According to an article by the Office for National Statistics (ONS) 55% of single parents don’t have enough savings to cope with even a modest drop in…
5 Ways Artificial Intelligence Could Change How Writers Make Money
We tend to think of artificial intelligence as a thing of the future. However, it is interesting to consider whether it would change how writers make money. Science fiction has presented scenarios about intelligent machines, from R2-D2 and C-3PO’s metal-plated Abbott & Costello routine to The Terminator’s hellscape vision….
Nutmeg Review (& Is Nutmeg Investing a Choice for You?)
Our Nutmeg review is informed by research and experience—I have invested in a Nutmeg ISA for a decade. Nutmeg or any third party did not influence my opinions. Please read the review, including my take on the Nutmeg portfolios, investment styles, and analysis of Nutmeg performance, and decide whether…
Nutmeg ISA Review (& Lessons from a Decade Investing)
Are you considering opening an ISA but can’t decide which one to choose? Let me tell you about the Nutmeg ISA, then. From my Nutmeg ISA review, you will learn about its distinguishing features, performance, and what that means for your venture into the investing world. Finally, I will…
10 Investment Myths Women Believe Debunked
Investment myths are not harmless tales of times past. No. They are the monsters lurking in the shadows of your mind, gobbling down your resolve to start investing and change your life. Because of these investing myths, your nose is pressed against the window of the investing world, looking…
What is the Problem with Low Savings (& How it Affects You)?
Let me ask you a question: How much savings do you have? Keep the answer to yourself if you like. We are British, and we view (over)sharing about money as vulgar. But if you have low savings, keep reading. According to a recent study, over 11 million people in…
Essential Money Housekeeping for 2024 (& How I Did It)
Every year, early in January, I do our money housekeeping. Why do I do that? Some may say I do it because I am a boring old f*rt with nothing better to do. They will be wrong. I conduct our money housekeeping inventory because I see it as a…
Stay Debt Free Forever (& Money Management Systems to Help)
Let me tell you what I know about how to stay debt-free and the money management systems that helped me do it. (Yes, we have lived debt-free since 2013 when we paid off £100,000 consumer debt.) You see, to get out of debt and stay debt free you need to:…
Pay Off Your Debt (& Obstacles You Must Overcome)
To pay off your debt you must: Be single-mindedly committed; Crave debt freedom with the hunger of a thirsty man in a desert; Take pride in paying off your debt; and Have a great plan. Do you want to pay off your debt this year? I know that the economy…
ISA Annual Allowance Demystified (& How to Use It Optimally)
Today, I will help you understand the ISA annual allowance and how to use it to optimise your returns. First, let’s clarify what the annual ISA allowance means – consider it your highway to tax-free savings and investments. Whether you’re a savings newbie or a seasoned investor, these tips…