In January 2019, I made a bad financial decision. The reason I’m sharing this with you is in the hope that you don’t make the same mistakes I did. From my experience, I would love for you to take something away which will help you make a balanced choice when signing up for any coaching, courses or mentoring. Everything I’ve written contains my views and opinions based on my own experience on the program “Thinking into Results” produced by Proctor Gallagher Institute. Specifically, I’ll refer to my experience of the course and program as being offered by Dr. Nana Jokura, an independent consulta ..read more

Why I Don’t Trade Forex I suppose the first questions I should cover is “what is Forex Trading?”. Well, it’s effectively about making a profit through currency. You buy currency in the hope that you will make a profit on the currency by selling it at a higher price than what you paid. If you buy goods or services from a different country, you need to be able to deal in the local currency, and that’s where the need for this type of investment comes from. Forex is priced using the usual key indicator, supply and demand. If no one is buying the currency, the price is low, but if there are a lot ..read more

ESG Investments UK – Socially Responsible Investing What is ESG investing, what is the meaning of it, and why should we be mindful of it, as investors? All questions that I will cover today in this post. You may have seen the term ESG when analysing different types of funds, companies or metrics. ESG stands for Environmental Social Governance – but what does it mean? E – Environment – It means, how does that company, in relation to its peers, deal with its environment whilst producing its product or service. It will also look at how that company looks after the environment around it, for exam ..read more

Best Small Investments in the UK If you are just starting out investing, you might want to start small – so today I am walking you through what I consider to be the best small investments in the UK right now.   With the power of compound interest, and the right vehicle for investing your small, but regular deposits, you can soon build up a substantial pot.   We will cover the best places to put small investments, from £50 right through to £1,000 and types of investments you could make.   Starting Out   Before taking the leap, if this is the first time you will be investin ..read more

HOW TO SETUP SINKING FUNDS in your Budget – How to become DEBT FREE PERMANENTLY Within any good budget there has to be a way to remain debt free for life, and in this video I’m talking you through how using sinking funds can make that happen. I show you step by step how to create them as well within any budget. Any advice given in on my channel and videos is for information purposes only, and does not act as financial advice. Your financial decisions are your full responsibility, and if you are in any doubt, please contact a Finance adviser before undertaking any investment with your money o ..read more

SAVING vs INVESTING – Which one is BEST for me RIGHT NOW? It is the age old question – when is it best to save and when should you be investing? Is it based on particular goals or when you hit certain milestones with your money? In this video I break down when you should be investing and when you are best to focus on saving overall. Any advice given in on my channel and videos is for information purposes only, and does not act as financial advice. Your financial decisions are your full responsibility, and if you are in any doubt, please contact a Finance adviser before undertaking any invest ..read more

VANGUARD PENSION SIPP UK REVIEW (2020 UK) – Is it a Game Changer? Should we be excited? The Vanguard Pension option here in the UK has been available for a few months, but is it any good compared to others out there? In this video I’m going to break down what I see as the advantages of using Vanguard for your pension along with your investments; what drawbacks you might need to consider and my overall thoughts. This video is not sponsored by Vanguard and my own thoughts & views. Check out my other Pension videos here for more info: Pensions UK Explained Any advice given in on my channel ..read more

MONEY HABITS THAT ARE KEEPING YOU POOR – Bad Money habits to avoid in 2020 Our habits show where our focus lies and with money this is no exception. In today’s video I’m sharing with you the common money habits that keep people POOR and how you can turn them around today into good money habits for success.   Any advice given in on my channel and videos is for information purposes only, and does not act as financial advice. Your financial decisions are your full responsibility, and if you are in any doubt, please contact a Finance adviser before undertaking any investment with your money ..read more

HOW I PICK FUNDS & SHARES to INVEST IN – Investing Advice for Beginners in 2020 Learning how to invest, and how indeed you pick funds and stocks to start investing in the stock market can seem like a scary thing. In this video I explain the key areas I research before I buy a fund, stock or bond AND show you what to look for when you do the same. I take away all the guess work and show you what is key to understand. Hopefully this is great info if you are new to investing or a beginner wanting to make that first step into investing. Any advice given in on my channel and videos is for info ..read more

MORTGAGE, CREDIT CARD OR CAR FINANCE PAYMENT HOLIDAY? Should I take it? Mortgage payment, credit card & loan and even car finance deals are allowing up to 6 months of a payment holiday IF you request one due to the current economic climate. BUT what is the aftermath on your loan or agreement, and how much will it actually cost you in the long run? This tackle this topic in this video, and you can find the calculator I mention here: https://www.habito.com/mortgages/mortgage-holiday-calculator Any advice given in on my channel and videos is for information purposes only, and does not act as ..read more