Tracking

Understand where your personal finances currently are at, and help to put in place the right tracking systems so you can remain accountable.

what is the difference between income and wealth?

What is the difference between income and wealth? And why you should care!

Understanding the difference between the two is important, especially when you’re trying to improve your personal financial situation. Ever heard the story of the janitor who surprised everyone when he died by leaving $5 million to his local library? Or the story of the famous athletes who earned multiple millions a year filing for bankruptcy? …

What is the difference between income and wealth? And why you should care! Read More »

how to create a budget in excel

How to create a personal budget in Excel that’ll even impress your accountant!

When creating a budget, using a spreadsheet app like Excel makes the whole job much, much easier. Today, we’ll look at how to create a budget in Excel, along with a free template I’ve built to help you fill out yours. As an accountant, I spend most of my time in Excel, and I bloody …

How to create a personal budget in Excel that’ll even impress your accountant! Read More »

delightful sunset vista introducing the 7 tips to help you stop living paycheck to paycheck

7 tips for how to stop living paycheck to paycheck

Lobster at the start of the month and baked beans at the end? Living month to month for too long becomes very, very tiring. Not to mention unproductive for your personal finances. Let’s discuss how to stop living paycheck to paycheck! First, let’s take stock So you can’t get through the month with money left …

7 tips for how to stop living paycheck to paycheck Read More »

average food budget in the uk - how do you compare?

Average Food Bill Per Month in the UK – How Do You Compare?

It is often quite difficult to figure out whether your budgeted weekly food budget figures are actually reasonable or not, especially when you are basing your budget off of your own previous spending patterns. This is a classic weakness to using your previous expenditure as the starting point in budgeting. One way to counter this …

Average Food Bill Per Month in the UK – How Do You Compare? Read More »

how to calculate your savings rate uk

How To Calculate Your Savings Rate (Your Personal Profit!)

At its core, your savings rate is a fairly simple mathematical expression which is your personal profit divided by your income. In this article we’ll take it deeper and walk you through exactly how to calculate your savings rate so that you can be confident you’ve calculated it correctly. What is a savings rate? In …

How To Calculate Your Savings Rate (Your Personal Profit!) Read More »

Why you need a budget

The Big Bad Budget – My Top 5 Reasons Why You Need A Budget

Budgeting. The word alone has probably sent shivers down your spine. It is a strangely unpopular process that most people don’t seem to engage in, but I would argue the most important tool in your personal finance arsenal when it comes to working towards a bulletproof set of personal finances. If you want to get …

The Big Bad Budget – My Top 5 Reasons Why You Need A Budget Read More »