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

Why Your Money Habits Beat Your Money Goals Every Time

Forget lofty financial goals—your daily money habits are quietly running the show, and here's why they'll always win in the end.

When Your Brain's Running on Empty, Your Wallet Pays the Price

Discover how mental fatigue drains your bank account faster than your energy, and learn simple tricks to stop tired decisions costing you money.

Why You Only See the Headlines That Prove You Right

Discover how confirmation bias and clever algorithms conspire to feed you news you already agree with — and what you can do to break the echo chamber.

Knowing Isn't Doing: Why Financial Literacy Won't Fix Your Money Habits

Knowing you should save more won't magically shrink your Amazon basket—here's why financial literacy falls short and what actually changes money habits.

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

Discover why we splurge birthday money but hoard our salary—the quirky psychology of "mental accounting" and how it secretly shapes your spending.

Why Everything Takes Twice as Long and Costs Three Times More (And Why You'll Never Learn)

Discover why every project blows past deadlines and budgets, why your brain refuses to learn from it, and what you can (maybe) do about it.

The Hockey Stick Blind Spot: Why Your Brain Wasn't Built for Compound Growth

Your brain evolved to dodge lions, not model exponentials—here's why compound growth blindsides even the smartest minds, and how to spot it coming.

The 20-Year DALBAR Verdict: Why Investors Keep Losing to Their Own Investments

After 20 years of data, DALBAR's verdict is in: investors consistently underperform their own funds—and their worst enemy is staring back in the mirror.

Why Your Savings Goal Is Probably a Lie Your Brain Told You

Discover why your savings goal likely isn't yours at all—just a story your brain invented—and how to set one that actually sticks.

The Observer Effect for Your Wallet: Why Just Watching Your Spending Quietly Rewires It

Discover how simply tracking your spending—without budgets or guilt—can quietly transform your financial habits, thanks to a curious psychological quirk.

The Money Trail: What Your Spending Really Says About Your Stress Levels

Your bank statement is basically a mood diary—discover how everyday spending habits reveal hidden stress and what your wallet's really trying to tell you.

The Pay Rise Paradox: Why That Extra Cash Stops Feeling Special Faster Than You Think

Discover why your shiny new salary bump loses its sparkle so quickly—and what hedonic adaptation means for your happiness and wallet.

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