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One of the most common reasons I hear people give for investing in high risk assets like crypto is this: “Someone I know made money.” But here’s the truth professionals already know, making money is not a strategy , it’s a result . Institutional and professional investors don’t buy because a friend made a quick gain. They invest based on understanding, structure, business fundamentals, risk management, and long-term prospects. That’s the difference between speculation  and st

January arrives and suddenly everyone is talking about “more.” More money. More success. More upgrades. More everything. But what if this year doesn’t come with a pay rise, a promotion, or a surprise inheritance from a long-lost relative? What if your income looks exactly the same as it did last year? Here’s the good news, you don’t need more money to start changing your financial story. You need a better strategy. One of the biggest myths in personal finance is that progress

You Can Start Again and Thrive Life has a way of knocking us sideways. Whether it's divorce, job loss, or burnout, suddenly finding yourself responsible for managing finances that you've never handled before can feel overwhelming. If that's you right now, take a breath. You are not alone, and you are certainly not behind. Many women (and men too) find themselves in exactly this position. Perhaps during your marriage, finances weren't "your thing" the bills, investments, and f

Money conversations. We all know we should have them, but somehow, they feel harder than explaining TikTok to your gran. In most households, discussing finances gets dodged faster than a bad first date, yet this silence might be costing us more than we think. If you grew up hearing "don't talk about money, it's rude" or watched financial struggles get swept under the rug, you're not alone. For many of us, money chat comes loaded with shame, fear, or memories of just trying to

We've All Been There We've all done it. A quick £3 coffee here, a cheeky Deliveroo there, a little "treat" from Amazon to cheer up a rough day. These spends seem small in the moment, but they add up quicker than you realise, until your balance says, ‘try again later’. Welcome to the world of ad hoc spending, the silent budget killer that doesn't come with a warning sign, doesn't feel reckless, but can blow your budget in just a few weeks. What Exactly Is Ad Hoc Spending Ad ho

The UK financial advice gap is a quiet crisis one that’s been hiding in plain sight. According to the FCA’s Financial Lives Survey 2024, only 9% of adults received advice about their pensions or investments in the past year. But the question that keeps me up at night goes deeper: Why don’t people who look like me get financial advice and why aren’t there more advisers who look like me to give it? A Room Full of Advisers and I Was the Only Black

Let’s talk about it!! Not the Instagram filtered, “I got this” version, but the real stuff. The missed payments. The panic when a letter lands. The quietly added Klarna basket. The secret store card you hope no one finds out about. If this is you, please hear me, you are not alone, and you are not a failure. We’re In a Debt Crisis and Nobody Taught Us How to Handle It Here’s a hard truth: most of us were never taught how to handle money, let alone manage debt. No school les

When we talk about the gender wage gap, we usually focus on the difference in pay between men and women during working life. But here’s something most people don’t talk about that same gap doesn’t just stop at retirement. In fact, it grows wider. According to a report by the Pensions Policy Institute, the average pension wealth for a woman in her 60s in the UK is less than half that of a man in the same age group. That’s not just a gap, that’s a canyon. Ladies, this is a big

Because your budget should work for you, not boss you around. Budgeting. That word alone can make some of us want to hide behind a stack of unopened bills. It’s not glamorous. It doesn’t sparkle like a new handbag or bring that instant joy of a cheeky online shopping spree. Let’s be honest, budgeting doesn’t exactly make hearts race with excitement. But here’s the truth, sis: budgeting is the bedrock of financial freedom. Budgeting. That word alone can make some of us want to

Let’s Change the Narrative on Teaching Our Children About Money There are so many things we teach our children with love and care. We teach them to say please and thank you, to brush their teeth before bed, to read books, and to take pride in their education. We sit with them through homework struggles, we worry if they’re eating enough vegetables, and we nudge them to dream big. But somehow, somewhere along the way, we forget to teach them how to handle money. Not in the “Do