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Debt Warning18/5/2021
This is a warning against unscrupulous companies that are going to try and take advantage of you during this time. They are going to do it under the guise of helping you through the pandemic but in reality they are going to leave you far worse off in the long run than if they didn't help at all!
A year after I wrote this last paragraph I have now begun to realise that it is not just in moments of crisis that they will try and take advantage of you. They are out their right now taking advantage of people; it just feels more shocking at the height of a pandemic. There are teams of people currently working out the best way to get you to take on more debt. Update 25/08/2020: This was written just as lock down was starting on the 25th of March 2020 and this is still going on now and always will do. Car dealerships make more money on the financing and insurance than they do the car itself. Online catalogue companies offer you "anything you want" buy now, pay later at 39.9% APR. Companies that lend money make more, when you pay slower! The debt warning isn't just for the height of a pandemic it is something you need to be wary of always! Update 18/05/2021: They are still after you. Nothing has changed. In fact they are getting smarter at putting you into debt. This warning is needed now more than ever. I get the feeling when I review this article in a year's time I will be writing that it is even more needed then.
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What do you spend your money on?4/5/2021
This post is about lifestyle inflation, conscious spending and buying the future you really want! We all earn money and then make decisions on what we spend that on. My desire is to help you become conscious of your spending and make conscious decisions on future spending.
If you do this you will either get comfortable with your current spending or change it to buy more happiness. After all isn't happiness the goal?
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How to live for free: FOREVER!27/4/2021 Updated 27th April 2021
How can this be possible? How can we have more money than we earnt? Does that mean that we have lived for free for our entire life so far? Is this normal? Could you do the same? Do you have anything to show for your years of labour?
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For an overview of which Index Fund to choose start here. This article is to help you decide whether to invest in the Vanguard Developed World Ex. UK Fund or the Vanguard FTSE Global All-Cap Index Fund and what the differences are!
âWe are going to break down the differences between the two funds and, given that nearly all of our money in invested in the Developed world fund, whether we are going to change that going forwards. We do not receive sponsorship from Vanguard or anything in return for promoting their products. I kind of wish we did; lol.
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What is an index fund? Investor Series10/11/2020
What is an index fund? The language of investing can be hugely complex at the best of times! Even a simple term like index fund takes a lot to properly explain. If you want to feel confident investing then the first step is to build your investing knowledge and financial vocabulary. The more you understand something the more confident you will feel starting! Writing this article has doubled Katie's and my knowledge about index funds! We hope it does the same for you!
The short explanation: Index funds give you an easy and cost-effective route to diversify your investments across the globe and partake in the growth of the global economy. Sounds sexy; but what the hell does it mean! What is an index fund? What is contained in an index fund? Which index funds should I buy? Why do I care? Let's get geeky together!
Updated: 22nd June 2021
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Your Financial Philosophy18/8/2020
You financial philosophy is the set of beliefs, values, your identity and relationship with money. It is the way you think about your finances and yourself which controls your actions and in turn determines your financial destiny. I want to help you uncover your financial philosophy, take control of it and develop it to create a brighter financial future.
Have you ever taken the time to consciously consider what you believe about money and how it is affecting your life?
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Take Control of your Finances!5/7/2020
I use supply and demand theory in my business to this day but no one taught me about personal finance. I learnt through books, courses that I paid to go on and through trial and error; the good old fashioned way. I have paid a high price for the skills I have developed and I think it is time I gave it all away for free...…...
I have been doing that with entrepreneurship for the last decade now. Giving away the course I wish I had when I was launching my business. Katie and I have decided to do this for personal finance next.
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If you finances weren't in a good state when Covid hit this situation probably did nothing to help. So many business and families lost their income overnight and they weren't prepared for it!
The people that benefit the most from the opportunities arising from Covid19 are the ones that are in the best financial position. Now is the time to take control of your finances and set yourself up for the future
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Playing with FIRE - Documentary Review15/12/2019
Yes. You really can! It has even ended up in the top 10 best finance movies of the decade!!! I went to the London Premiere and then saw it in Los Angeles a month later and was lucky enough to meet Scott and Taylor, the stars, and the executive producer of the doc in Portugal this year at Chautauqua.
Read on for the full review of the documentary...…….
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The FIRE movement in the UK20/8/2019
The movement in the UK is a lot smaller. It has taken more time to catch on but it is growing fast. Is it possible to be financially independent (FI) in the UK? Are there any good blogs about financial independence from a UK perspective? Is there a community? Read on to find out more about financial independence in the UK.
Created 20th August 2019. Updated: 22nd of June 2021
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What is financial independence?8/2/2019
Income from passive sources is greater than expenditure equals financial independence. Sounds simple? There are some nuances!
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This article was first published on 4th February 2019. It was updated on 8th September 2020 and then again on 1st June 2021.
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