Plain-English finance writing

Money,
written so it makes sense.

Practical guides on budgets, investing, mortgages, and the math behind it all. No jargon, no email gate — though there's a newsletter at the bottom if you want one.

Chapter 1. 131 articles · all free
131 articles

Big Salary, Skint Soul: Why Earning a Fortune Doesn't Make You Wealthy

Earning six figures but still feel broke? Discover why a fat salary doesn't equal true wealth—and what actually does.

Why Your Brain Treats £100 Differently Depending on Where It Came From

Discover why your brain values a £100 bonus differently from a £100 payslip—and how this quirky mental accounting quietly sabotages your finances.

Why Everything Takes Twice as Long and Costs Thrice as Much

Discover why every project blows past its budget and deadline—and the psychological, economic and human quirks that guarantee it, every single time.

The Sneaky Number That's Secretly Sabotaging Your Savings Goals

Discover the overlooked figure quietly derailing your savings — and the simple fix to get your financial goals back on track.

Your Dashboard Is a Rear-View Mirror: Why Financial Reporting Keeps Failing Decision-Makers

Most financial dashboards tell you where you've been, not where you're going—here's why traditional reporting fails decision-makers and what to do instead.

The Great Budget Delusion: Why Your Bank Balance Never Matches Your Maths

Ever wonder why your budget says £200 left but your bank says £12.47? Discover the sneaky reasons your spreadsheets and reality never quite agree.

The Observer Effect for Your Wallet: Why Simply Watching Your Spending Changes It

Discover how the mere act of tracking your expenses quietly reshapes your spending habits—no budgets, willpower or spreadsheets-of-doom required.

Your Bank Statement Knows You're Stressed Before You Do

Your spending habits spill the beans on your mental state long before you notice—here's how your bank statement quietly flags stress before you do.

The Optimism Trap: Why We Plan for Best-Case Finances (and How to Break the Habit)

Why we always budget for the sunshine and forget the storm—plus practical ways to plan finances that survive real life, not just wishful thinking.

The Neighbour Effect: How Keeping Up With the Joneses Quietly Wrecks Your Wallet

Comparing your life to the neighbours' shiny new car? Discover how social one-upmanship silently drains your bank account—and how to opt out.

Throwing Good Money After Bad: Why We Can't Let Go of Losing Investments

Discover why we cling to losing investments, the psychology of the sunk cost fallacy, and how to stop pouring good money after bad decisions.

The Hidden Tax on Your Portfolio: Why Fear of Losing Costs You More Than Picking Duds

Loss aversion quietly drains your returns more than any bad stock pick—here's why fearing losses costs investors more than choosing duds ever will.

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