Honest finance writing.
No jargon. No advice.
Honest, practical personal finance writing for UK investors who want to actually understand their money — not just be told what to do with it. I started young and have been tracking, investing and figuring it out for over a decade. This is what I've learned.
I posted my UK personal finance app on Reddit today. It did not go to plan.
The reply said the space is crowded with vibe-coded apps and a spreadsheet would do. They're not entirely wrong. Here's why I built it anyway — and why forecasting beats budgeting.
Why I started tracking my net worth at 18 — and what I wish I'd known sooner
Most people manage their finances on vibes and a rough idea of their bank balance. I started tracking my net worth at 18 — here's what a decade taught me.
ISA vs SIPP: which should you fill first?
The standard advice is frustratingly vague. Here's a proper framework — including what changes completely if you have a defined benefit pension.
What is net worth — and why it's the only number that actually matters
Your salary tells you what comes in. Your savings balance is just one piece. Net worth — everything you own minus everything you owe — is the only number that tells the full story.
How to plan for early retirement in the UK — without the jargon
Most people have a vague intention to retire eventually. That's not a plan. Here's how to work out your actual number, your savings rate, and when you could genuinely stop working.