Somehow, despite all the messages to be kinder to ourselves, we have this predisposition to put ourselves down. Along the line, the early messages of “You can do better” become “You’re not good enough.” We live in an age where the focus is on self. As we scroll through social media, we see countless selfies, all the time hoping to find a like, mention or comment on one of our own posts. Slowly, we begin to […]

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At the very surface level of constructing a financial plan, the journey can feel linear. We begin with what we have and plan to move towards an end goal of ‘having enough’ and being financially independent. But this is not where financial planning ends; it’s just the toe-dipping beginning as we gain courage and confidence to engage more with our financial planning. It feels linear because financial independence has always been closely associated with retirement, and […]

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“How much should I be charging my clients?” This is a common question as we work with an increasing number of people setting up their own businesses. In the wake of a radical economic downturn, our creativity and necessity to generate an income spark new business ideas. The entrepreneurial spirit begins to take centre stage in the micro economy, and we have an awesome opportunity to create value for others. And this is how we answer […]

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Have you ever gone down the #Fintwit rabbit hole? According to fintwit.ai, #Fintwit is a vibrant community of investors on Twitter, who tweet trading ideas, active trades, personal portfolios and well thought out insights about financial securities. Millions of investors around the world are increasingly using Twitter to stay abreast of the financial market and make informed investment decisions. This financially savvy community is almost as popular as the #BTC (bitcoin) and #crypto communities who are […]

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How do you decide on the better of two products you are not really familiar with or can’t visually tell the difference? For example – I had to buy a new cellphone charger the other day, and there were two options – one was two-thirds the price of the other, but both were reasonably priced (according to my limited experience of buying chargers!). I went with the more expensive one because the price tag convinced me […]

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When we experience our first crisis, we think our world is about to end. It could have been our first unrequited love when we were 12, a rejection letter from an application when we were barely out of our teens, bad news from the doctor or an accident that leaves us dealing with a deep loss. Sometimes it can be our hundredth crisis, and it can still leave us wondering how we can proceed; perhaps it […]

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There’s a rare object known as a tuit. It’s a special gift to keep for yourself, but also has great value for your friends and family. Tuits, especially round ones, will generally have a note or inscription along the following lines: This is a Round Tuit.  Guard it with your life! Tuits are hard to come by, especially the round ones. It will help you become a much more efficient worker. For years you’ve heard people […]

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For many years we’ve been having better conversations about retirement. It’s no longer a matter of finding a job, staying in it for 40 years, and then retiring for fifteen years under the assumption that the company pension scheme will finance that entire period for us.  It simply doesn’t work that way anymore. Finding a job can take considerably longer; the chances of us staying in one position for more than ten years, saving early (and […]

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If someone is selling something, their primary goal is most often to convince you to buy what they’re selling. If you follow financial accounts on social media, your timeline is likely crowded with people touting the next big winning investment. As we look back on market history, there is an obvious attraction to finding the big winner – the tiny tech stock that turns into the next Amazon or the virtual coin that makes overnight millionaires. […]

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The fastest way to lose half of your money is not a stock market crash but a divorce, separation or a poor business decision (so it’s a good idea to make sure you’re on the same page with your partner when it comes to joint finances.) Many have felt disheartened by the stock market in recent times, especially with the historic GameStop trading fiasco. It’s easy to feel confused and assume the market is rigged against […]

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