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 Haven't Got a Financial Adviser Yet. Here's Exactly When I Will.
Most self-directed UK investors are managing alone — and for a while, that's fine. Here's why £100k or a life event is the trigger that changes the calculation, and how to walk into that first meeting properly prepared.
Why I've Always Listened to Martin Lewis (And It's Probably Saved Me Thousands)
From timing your car insurance renewal to the UK car finance mis-selling scandal — Martin Lewis's advice is boring, consistent, and genuinely powerful. Here's how it's quietly shaped my money decisions for years.
Down 25% and Doubling Down: Why I'm Not Panicking About the Middle East Crisis
My portfolio is in the red, the news is grim, and my weekly investment went through anyway. Here's why I'm not just holding — I'm buying more — and why pound cost averaging earns its keep exactly in moments like this.
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.
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.
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.
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.
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.