It’s a cold Autumn morning but I feel good…better than I normally do at this time of year. That’s because I’ve been making a conscious effort this week to haul my lazy butt outside every day. In Spring / Summer, getting outdoors comes naturally. But at this time of year, it takes a conscious push […]

Today we have another guest post from ChloĆ«, our favourite pun-cracking eco-hippy…this time about whether university now makes financial sense? Let’s all agree upfront that education and learning are good and noble things. But going to university is no longer the easy decision that it was back in the day. When I went, only about […]

The Year is 2020 and The World is on tenterhooks… awaiting the outcome of The Most Important Election Since The Last One. Meanwhile, a made-up clown in denial takes to the internet and social media…despite The Express Wish Of The People. Has he no shame? Will he never shut up? Why won’t he just accept […]

Every day we make choices. Choices between spending now and investing for the future. Choices between procrastinating and taking action. Choices between patience and impatience. Think about where you are today and where you could be in 5, 10 or 20 years time. If you choose to buy your freedom (rather than more stuff) your […]

I sometimes think that saving has a PR problem. Saving is often seen as a defensive move, something that’s a bit boring or something that you do when you are in fear (e.g. of losing your job). But saving is the foundation of your financial security. When you have a secure financial base, you can […]

There’s nothing like an early taste of poverty for instilling a lifelong appreciation of money and financial freedom. My parents stretched themselves with a big mortgage to get up the housing ladder in 1981, just before interest rates went to 17%. Ouch! As a result, holidays and newspapers got cancelled and belts had to be […]

I heard a story last week that’s too good not to share. I was on Zoom talking to a subscriber to The Escape Manual. He told me how he’d pulled off a massive 180 degree turnaround: going from debt disaster to responsible role model and provider for his children. So I asked James (names changed for obvious reasons) if he would […]

I’ve now been blogging for 6 years and it’s been fun. But in terms of changing the world, after 6 years of painstaking and regular(ish) posting, I would give myself a B+ for effort but only a D- for achievement. At an individual level, through my financial coaching, I’ve helped quite a lot of people […]

Reflecting back on investment / money / life lessons learned so far in 2020 in this interview with Andy Hart on The Maven Money podcast.

In Part One we explored why you should never ask a barber if you need a haircut. That and why you shouldn’t rely on instructions from Proctor & Gamble for how much of their washing liquid to use. Today in Part Two we are going to look a bit closer at conflicts of interest in […]