The hidden cost of keeping up appearances and how it’s quietly destroying your financial future. You know that feeling when you’re standing at school pickup, surrounded by other dads discussing their latest purchases, holidays, or home improvements, and you find yourself nodding along whilst mentally calculating how you’re going to make it to payday? You’re […]
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You know that sinking feeling when you discover something your partner’s been hiding? Well, here’s a stat for you: 31% of adults who share finances admit to deceiving their partner about money. That’s right – nearly one-third of couples are dealing with financial infidelity, and I’ve been there myself, both as someone who’s experienced it […]
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Here’s some good news! You don’t need to be a financial expert or investment wizard to make smart choices that enrich your family life. I have nine cost-effective lifestyle decisions that you can transform your finances and family dynamic. Sometimes, it’s the small, thoughtful changes that get the most results. Creating a loving family environment […]
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According to the Child Poverty Action Group’s report raising a child in the UK from birth to age 18 costs an average of £152,747 for a couple. As a father of two, my wife and I are on that same boat with £300k plus of financial responsibility. Let’s break down how I manage my money […]
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Creating lasting memories with your children is priceless. If it’s affordable, one great way to bond with your daughter is by planning a memorable father-daughter holiday to Europe. As I type these words, my sister is boarding a flight to Majorca, Spain, with her son. I thought this was a wonderful idea for them to […]
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A profound statement once said to me by a friend. His intent was to let me know that I should live a little despite being a dad. Like most of the labels we carry, husband, boyfriend, friend, brother or job title, being a dad can easily take over your identity. It’s very noble to take […]
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My eight year old daughter says she wants to become a doctor, a paediatrician to be exact. What’s the price tag to make my little girl’s dream come true? It’s 2024 and I’ve come to the conclusion I have about ten years to finance my daughter’s doctorate dream if she’s to avoid student debt. I […]
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Parkinson’s Law, a well-known principle, suggests that expenses tend to increase in proportion to income. Therefore, if you’re struggling to manage bills or reduce debt, simply earning more money is NOT your only answer. We can start by saying it’s not about how much you make, it’s about how much you can keep to then […]
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It’s coming! Valentine’s Day is an opportunity to express love to your other half with a romantic meal, thoughtful gifts, and flowers. However, is that the only way to celebrate? Let’s step outside the norm and try something a little different. Some couples, well men in particular might feel under pressure to spend loads of […]
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A Budget is the quickest and simplest tool you can use to fix and control your household finances. They say a goal without a plan is just a wish. The plan itself is a budget and failing to have a basic budget simply wishes away your money goals. That house you want isn’t coming, the […]
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Food, water, clothing, sleep, breathing, and shelter are necessities for survival. Looking at Maslow’s hierarchy of needs this is the lowest level. They are the foundation of human survival, but times have changed. I would argue that money to some degree needs to be included to this lowest level. Some kind of finance is crucial […]
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It’s only mid-January, and if you’re anything like me, you might already be fed up with the UK winter season. I think it’s time to start looking for a sunny break in under 4 hours. The UK has an average of 60 days of sunshine a year. No wonder why most brits opt to go […]
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To really secure your family’s financial future you must create and maintain a Financial First Aid Kit. An essential tool kit to give your loved one’s clarity and peace of mind in hard times. It’s 6am on a Monday morning, you barely got any sleep because your baby boy wouldn’t settle down last night. After […]
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The average cost of raising a child in the UK, including housing and childcare from birth to 18 years old, is £202,660. That’s £11,258 a year. We can sympathise with lower-income households because the UK poverty line for a two-parent household with two children under the age of 14 is £20,099 per year. I’ve come across […]
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The best present you can give to your children this year is your undivided time and attention. Honestly, no amount of money or the latest toy will replace that. Believe it or not, we’re more divided as families than at any point in history. Let’s go back 50 years ago I’m sure Christmas Day wasn’t […]
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We’re now living in a cashless society which is great for most purposes. You don’t have wads of cash or loose change bulking up your wallet. Not carrying cash around has reduced the risk of losing it, leaving it behind when you need it or being physically robbed for it. On the other hand, cash […]
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Say goodbye to all forms of debt, even that seemingly insignificant £20 borrowed from a friend. With the exception of a mortgage, eliminate any financial burdens that will slow your progress to financial success. Here are ten wealthy habits to achieve financial success and change your family’s future forever. Wealthy Habit 1: Prioritise Your Health […]
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It’s easy to feel anxious about your own financial position, and do you wonder what you’re doing wrong? Are you doomed to always be struggling and living paycheck to paycheck? With things like inflation, high rents, rising interest rates, too much debt and not enough retirement savings or an emergency fund. Not to add, every […]
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This is a lesson that hit home for me as a father. I’ve learned that being intentional with your financial and personal goals is not just a mantra; it’s a lifeline for family stability. In the pursuit of my dreams, I launched various business ventures. Some soared, others stumbled, it was all a learning experience […]
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Applying meaning to your money is all about intentionally labelling every pound you earn with a set goal or task in mind. Don’t get me wrong. It’s not to say you can’t enjoy your money. I assure you there is a label for that too. Money is more than just currency; it represents value, choices, […]
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