Non-Financial Goals for a Richer Life Beyond Money I find it’s easy to get caught up in the numbers – optimising budgets, tweaking investment portfolios, chasing the best savings rates. And yes, a solid financial foundation is crucial. But what about the other forms of wealth we build? The currency of our time, the richness […]
Non-Financial Goals for a Richer Life Beyond Money Read More »
Applying the “1% Rule” to Financial Habits We often chase big financial wins – a major investment return, a huge pay rise, that one brilliant money-saving hack. But true, sustainable financial progress in often comes from something far less exciting: the relentless power of marginal gains. This is the “1% Rule” in personal finance. It’s
Marginal Gains: Small Daily Financial Habits That Compound Into Big Time Savings Read More »
You’ve done the mid-year financial check-up. You know where you stand. But what happens when your January ambitions don’t quite fit your July reality? Life throws curveballs – a new job, unexpected expenses, or even a sudden shift in what you actually want. Sticking rigidly to outdated financial goals often causes more problems than it
Adjust Financial Goals Mid-Year: Re-calibration Guide Read More »
If you caught my last post about conducting a mid-year financial check-up, you might be thinking, “Another one about reviews?” Look, I get it. But this one’s different – it’s about how to make your UK financial review something you’ll actually do, rather than another task you’ll avoid. That distinction matters. I’ve met plenty of
Halfway There: Make Your UK Financial Check-Up Easy Read More »
Half of 2025 is already behind us! This isn’t a time for panic or judgment, but for a purposeful look at your financial journey so far. Did those ambitious New Year’s resolutions stick? Are your financial goals still relevant? A mid-year financial check-up is not about perfection, but about progress and practical adjustments. I’m starting
Mid-Year Financial Check-Up UK: Boost Your 2025 Goals Read More »
Hate budgeting? You’re not alone. Let’s get one thing straight: budgeting isn’t about spreadsheets, shame, or locking yourself in a colour-coded cage. Simple budgeting methods aren’t about restriction – they’re about building awareness and control. At its best, a budget is just a way to understand what’s going on with your money – so you
My pay has two parts: base salary and bonus. I treat them very differently. One keeps the lights on. The other builds the future. Base pay is the foundation Around 65 percent of my income comes from base salary. My wife’s is more weighted to her base. Our basic salaries cover everything: bills, savings, childcare,
I work in finance. I know how to optimise. But I also think it’s important to know when to stop. You don’t need to chase every pound. Sometimes, good enough is good enough. Some things are just not worth the stress I have a pension. It’s allocated sensibly. Could I squeeze a few more basis
Guilt-free spending is not about spending more. It is about knowing what matters to you and giving yourself permission to spend there without stress. For me, it’s built into our system – and into how we talk about money as a couple. 1 I spend freely on my health Cycling kit, running shoes, event entries
There’s a myth that budgeting is for people with tight finances. That once you’re earning well, budgeting is optional – even restrictive. But in my experience, the more you earn, the more important it becomes. Compare a startup to a Fortune 500 company and it is the same. The budget is a forecast, not a