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 Tomorrow-You Is a Financial Genius (and Today-You Keeps Ruining It)

Discover why we keep sabotaging our future finances, the psychology behind it, and how to stop today-you from robbing tomorrow-you blind.

Optimism Is Bankrupting You: Why We Plan for the Best-Case and How to Break the Habit

Optimism feels good but wrecks your wallet—here's why we default to best-case thinking and the simple habits that stop it draining your finances.

The Phantom Fiver: Why Your Monthly Spending Always Beats Your Budget

Discover why that mysterious extra fiver keeps sneaking into your monthly spend, and learn practical tricks to finally outsmart your own budget.

The Hidden Tax on Your Portfolio: Why Loss Aversion Costs You More Than Dud Stocks Ever Will

Loss aversion quietly drains portfolios more than bad picks ever do—here's why your brain's biggest bias is costing you real money.

Why 92% of Financial Goals Crash and Burn by Day 90 (And What Actually Works)

Discover why nearly all financial goals fizzle out within three months—and the surprisingly simple strategies that actually keep your money on track.

The Hedonic Payslip: Why Your Pay Rise Stopped Feeling Good by Friday

Discover why your pay rise faded faster than a Friday pint, and how the hedonic treadmill keeps your salary feeling stubbornly ordinary.

Why You'll Haggle Over Netflix but Not Your Pension

Discover the quirky psychology behind why we'll battle for a tenner off Netflix yet ignore thousands lost in our pensions—and how to fix it.

The Brave Investor Paradox: Why You're Not as Risk-Tolerant as You Think

Think you've got nerves of steel? Discover why most investors overestimate their risk tolerance—and how to avoid costly panic moves when markets wobble.

Same Numbers, Different Choices: How Framing Quietly Hijacks Your Wallet

Discover how clever framing tricks your brain into spending more—same numbers, very different decisions. Outsmart the sneaky psychology behind your wallet.

The More Complicated the Product, the Poorer You Get

Why complex financial products quietly drain your wealth — and the simple truth the industry would rather you didn't notice.

Why Your Wallet Doesn't Care About Your Goals (But Loves Your Habits)

Your wallet ignores grand financial goals but quietly responds to daily habits—here's why small routines beat big resolutions every time.

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

Discover how mental fatigue sabotages your spending decisions—and why a tired brain is your bank balance's worst enemy.

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