Ok – I know that headline is going to sound a little crazy. I can just hear the cries now. “Don’t you know that there is a cost of living crisis going on”. “Didn’t you hear that energy bills have doubled”. Yes – I know – it may seem like a very strange idea to be spending more money here but bear with me.

You see – on the path to Financial Freedom, sometimes you have to invest. Now, when I say invest, I am not talking about investing...

This is a short post, but one designed to make an important point!

Over the past 15 years or so, the interest rates paid on cash have been so low as to be almost not worth mentioning (I did say almost - something is always better than nothing).

In recent months however, the rates on cash savings accounts have been increasing on the back of central banks around the world increasing their base rates. Here in the UK average instant access rates have increased from perhaps as low as 0.5% to...

I rarely write about individual stocks, so when I do, something must be up.

The reason I rarely write about individual stocks is because I think it is very, very difficult (almost impossible) to consistently pick winning individual shares. If you build a portfolio of 20 “really promising” individual shares, chances are that 10 will go up and 10 will go down. Perhaps you get lucky and 12 go up and 8 do down, but you get the point.

I think there is perhaps room for investors to hold...

Times like these can be really tough. It seems that every single day at the moment there is a new story in the news about how the cost of something is going up or how supply chains are being disrupted.

Already, there are reports of families who were previously only just making ends meet now having to make choices between ‘heating and eating’. These are scary times and it can seem a little hopeless.

In my conversations with clients in the Financial Planning business, it is clear...

A lot has been written in recent months about rising inflation and the impact that this is having on living standards.

I often write about ‘lifestyle inflation’. This is where someone’s lifestyle or spending often increases as fast as (or even faster) than their earnings as they earn more or receive bonuses or pay rises.

Lifestyle inflation is very dangerous as it prevents you from ever reaching financial freedom. If your expenses are increasing at the same (or a higher)...

Today we have a guest post from Bob Ciura from Sure Dividend. Sure Dividend produce a ton of free and paid research and articles for those who wish to build a portfolio of reliable, dividend paying stocks. Take it away Bob!

Why Investors Should Buy Dividend Growth Stocks For The Long-Term

Momentum trading, which involves purchasing stocks that have exhibited great recent performance, has some enticing advantages that have led many investors to follow this investing strategy. The most...

Back in May 2018, I put 'pen to paper' (or 'fingers to keyboard' more accurately) on a new book.

The big idea was to create a system that any Millennial (or anyone really) could use to achieve True Financial Freedom.

It was a big ambition, but one that I deeply believe in. You see, I don't think that Financial Freedom is only available to people who are 'special' or who are born into money. 

I think that anyone can achieve their own version of freedom and the steps required to get there...

Today we have a guest post from Kate Underwood of Club Thrifty. Take it away Kate...

Investing in real estate is a big decision. Plenty of people make bank on rental properties, and — with the current state of the economy — you may be thinking about getting in on the action. Property ownership can be a terrific way to invest in your future, but there are several factors to consider before diving in headfirst.

While investing in the stock market typically...

This post has been sitting in my drafts folder for months now and there seems no better time to release it than now. As global markets are in turmoil due to the virus, our emotions can get the better of us and we can end up making some really bad financial decisions which have the potential to do long term damage to our financial health. 

Make no mistake, the virus will pass. Things will go back to normal, but the financial decisions you make during this crisis could be felt for a...

When you set off on your journey to Financial Freedom, it can seem like a long way to travel.

Perhaps at the moment you are struggling to make ends meet or perhaps you are deep in debt. How do you go from there to Financial Freedom?

The leap often seems too big to contend with and so human nature is simply not to try. When we perceive things as too difficult or ‘impossible’ we often give up before we have gotten started to save ourselves from the potential failure.

As with all...