Pros and Cons of UK’s Save As You Earn company share saving schemes, why it’s not as risk free as they are promoted to be. — I recently changed job from one large-ish company to a very large one. Both companies offers an Employee Sharesave scheme, and both companies promoted the scheme as risk free to their staff. But I don’t recommend you put any meaningful amount of money into these schemes. Why?

It’s perfectly ok to choose to live your life while you’re young rather than worry about retirement. But what if I showed you a way to easily afford both for the price of a Starbucks? — There are plenty of articles preaching the virtues of saving up for your retirement sooner rather than later. Your early twenties are better than thirties, and thirties is still better than forties. …

Money — some say is the root to all evils. Yet, we can’t live without it, it is arguably the one thing that keeps society together, and make everything working around us. From paying for baby food to buying school uniforms, buying your first house to paying for care at…

I started an experiment in September 2020 where I would invest £1 a day for a whole year to see where I would end up after 12 months. The experiment There are endless articles on Medium alone that talks about passive investing, where anyone can easily and safely invest in the stock…

Learn to use built in Excel functions to quickly build a perpetual calendar. No macros, no VBA, no scripting! — Introduction This article will guide you through building a calendar in Excel using built in functions to work out weekdays and colour coding weekends and important dates. Basic Calendar Using the built in SEQUENCE command, we can get Excel to create the basic calendar with a single formula.

Which one is best for a small business, and what about Square? — I am in the process of starting a small business to sell home made ice-cream, and as part of initial marketing, I will be setting up a market stall to test out new flavours with the general public. For this, I need to accept card payments as most people these…

Can you really trust Amazon Vine reviews? You know, those lucky so and so who gets free stuff in exchange for a supposedly honest review? — Amazon Vine is an exclusive invitation only club of reviewers on Amazon. The company introduced it in the UK in the year 2000s, and I was lucky enough to be invited to join them in October 2007. …

1) Income that is not allocated will get spent. — 2) expenditure will grow to match rises in income (or falls). Simple Budgeting Guide: Allocating money immediately after getting paid, actually move money into different accounts (or pots if your bank offers the…

How I adapted my goals to make it more achievable or SMART — When I was around 42, a wealthy friend causally said that if you don’t make it by 40, you probably never going to make it. I was quite offended by that, as I have been trying for a long time to make something extraordinary out of my life. Now at…