Now is the perfect time to experience what I call Monk Mode. In Monk Mode you work, you think and you rest. Then you repeat. In Monk Mode you spend NO MONEY other than needed for food and utilities. Millions of people are currently discovering some version of Monk Mode for the first time. For […]

I was chatting to a friend who reads this blog. She told me that she reads every article…except “those stupid music ones”…please could I stop doing those? Being a Nice Guy, I said I’d think about it. So I thought about it…and here we are. Yes, The Escape Artist is back to review more classic songs […]

There’s nothing quite like a global pandemic or a zombie apocalypse to focus the mind and bring perspective to our first world problems. Tough times have the potential to bring out the best in people. But recent events have reminded us that humans don’t deal well with invisible threats. We fail to plan for unforeseen events […]

It’s always darkest just before the dawn. It may not feel like it but we are already through the most dangerous time. What do I mean by that? We are certainly not through the health impact of COVID-19. Nor are we through the economic aftershocks which are coming down the road towards us. These will […]

On a long enough timeline, your chances of getting wealthy are close to 100%. Wealth accumulation is the ultimate long game. If you stick with it for long enough, there are only 2 outcomes. One is that you get wealthy (compared to where you are now). The other is that the world as we know […]

Let’s say you own a boat / caravan / painting that’s sat idle in your garage worth £10,000. You didn’t use it last year and it earned you nothing. But if you’d sold it and invested the cash in a global equities tracker fund, last year you’d have made £2,200 (22%). In a more average […]

Last week, there was a court ruling of huge significance for freedom of speech in the UK. Harry Miller (a former policeman) had retweeted a limerick and some other tweets about trans-gender issues.  The tweets were perfectly legal but were seen by someone (Mrs B) who decided to take offence and call the police as […]

As much as I like to like to encourage people to get better with money, I wouldn’t describe reaching financial independence as easy. Sure, it’s not like coal mining by hand or ploughing a field without a tractor. But society today has a way of offering us easy options. The problem with easy choices is […]

This article is about applying insights from one area of life (diet, nutrition) to another (spending and personal finance).  In places, I will spell out the analogy….at other times I will leave you to join the dots. But trust me, the dots are always there… Winter is a dangerous time for comfort eating and I […]

There are no guarantees in life. But here’s something that’s as close to a guarantee as you will find in the whole field of personal finance: If you see yourself as a helpless victim, if you give up, if you quit the game…then you will not get rich. Unfortunately there is a belief system that encourages […]