education
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Why do you do what you do?
Have you ever asked yourself this? As in, why do you spend your time the way you spend it? It’s become a little bit cliche nowadays, to say time is the most precious commodity. But it really is. On your deathbed, you’re not going to think about how much money you have. You’re going to…
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1) Monday Mood Boost; Nothing Matters
Monday’s can be difficult. You wake up, it’s the start of a new week and you might be feeling a bit anxious. Your mind is racing ahead to all the things you need to do and all the challenges you need to overcome. It can be a bit daunting. So here’s a mood booster for…
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How to Change Behaviour
There are two big challenges when it comes to changing one’s behaviour. Whether your own or someone else’s. And these challenges apply to any behaviour change from diet + exercise, to building better relationships, and from personal finance to your career. They’re the same, wherever you look. Challenge 1 – Education The first big challenge…
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Why You Need To Invest in a Stocks & Shares ISA Today
Lisa was a single mum of two, struggling to make ends meet. She worked as a cashier at a supermarket, earning minimum wage and barely covering her bills. She had no savings, no investments, and no hope for a better future. But everything changed when she received a £500 inheritance from her grandmother. Instead of…
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Modern Marcus Aurelius: The Extraordinary Journey from Guerrilla Fighter to the World’s Poorest President
José Mujica, Uruguayan President from 2010 to 2015, stood out not only for his political role, but also for his past as a guerrilla and prisoner, choosing to live in a modest farmhouse while donating 90% of his salary to charity. Known for his humility, integrity and commitment to principles, Mujica’s life has provided important…
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Warren Buffett has used this investment strategy to make millions; you should too
The article mainly discusses investment principles derived from Benjamin Graham’s book, “The Intelligent Investor,” which significantly influenced Warren Buffett’s successful investment strategy. It outlines five lessons: distinguishing investing from speculating, adopting dollar-cost averaging, embracing bear markets, continually educating oneself on financial matters, and regularly reviewing and adjusting investments. The article promotes Graham’s balance of diligence,…
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Why you should avoid the 5-8% High Street Bank savings rates
Saving money in a high interest bank account seems responsible. But even 5% interest doesn’t compete with 7-10% average stock market returns over long timeframes. Let’s compare John who saved £10K in a 5% savings account versus investing it. After 35 years, John’s savings earn him just £25K interest. Meanwhile, investing at 8% over the…
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The Freedom in Frugality: How Cutting Back Can Unlock Your Personal Freedom
You know those moments when you’re sipping a rather expensive latte, looking at that new Asos order in your room, or seeing off your third deliveroo of the week, daydreaming about a life where the jarring alarm clock doesn’t dictate your morning? A life where Mondays are as sweet as Fridays? A life where you…
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How Stoicism Can Transform Your Daily Life
I think the best metaphor for life is a boat at sea. Sometimes you have clear skies and calm waters. Other times, you are in a tempest of chaos and noise. Whether sunny or moody, boats need a compass to guide them. Humans are the same. We need something to guide us through life. I…
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A Step-by-Step Guide to Managing Your Monthly Income
When that exhilarating moment arrives – the notification that your monthly money has been deposited in your account – it’s essential to have a system in place to make the most of your earnings. Understandably, a lot of people get very excited when money lands in their account and the knee-jerk, instinctive reaction will be…