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Everyday expenses

5 ways to beat the Monday blues

A lot of us talk about the ‘Sunday scaries’ and the ‘Monday blues’. The thought of going back to work after the weekend and getting back into our normal routine is rarely appealing. You may not ever be jumping out of bed at the sound of your alarm clock on a Monday morning, but you […]

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Money tips Savings and Investments

5 easy ways to save for your first home

One of the most common money goals for people in their 20s is to get on the property ladder. But getting a deposit together is proving harder and harder. If you’re finding yourself in this position, then try these 5 easy ways to save for your first home. Sadly, without a lottery win or a […]

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Savings and Investments

Should beginner investors buy individual stocks or funds?

I have neglected the topic of investing on this blog for far too long. Perhaps this is because I’ve been struggling with imposter syndrome and was concerned I didn’t know enough to write about it. However, I get quite a few investing questions particularly from beginner investors and want to be as helpful as possible […]

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Everyday expenses Money tips

The Twenty Percent 2021 review

And just like that, 2021 has come and gone. It was the first full year of The Twenty Percent too. Like many of us, I’m not too sorry to see the back of it. While 2020 was bad, 2021 brought more anxiety, uncertainty, and confusion than I felt able to deal with. Fortunately, I surprised […]

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Savings and Investments

Can I pay for Christmas solely by freelancing?

Christmas is expensive. Hardly a ground breaking observation, but it’s true. Normally, I keep a strict budget. I know exactly how much money comes in and out each month. Christmas is a bit different. I enjoy treating my friends and family. Currently I’m very lucky and have a bit of spare income each month so […]

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Everyday expenses

The Twenty Percent – November update

We’re in the last month of the year. 2021 feels like it’s been simultaneously the longest and the shortest year. This means it’s time for my penultimate monthly update of the year. Read on to find out what happened in my November update. Each month feels busier than the last at the moment, which probably […]

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Money tips Savings and Investments

Stop the next gen making the same financial mistakes as us

We’ve all made financial mistakes in this past. Many of these would have been prevented if we had learnt more about personal finance at school or college. Last week I was lucky enough to speak with the London Institute of Banking and Finance – specifically their arm which focuses on financial education. The conversation was […]

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Everyday expenses

Save the planet and your bank balance – boycott Black Friday

Black Friday and Cyber Monday are fast approaching. What started off as a simple way to bag yourself a few deals and get ahead with your Christmas shopping, has fast become a rampant display of mass consumerism and mindless spending. This year, I’m urging you to boycott Black Friday. With the environment being such a […]

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Savings and Investments

Women spend six weeks working for free – don’t get caught out

The 18 November is Equal Pay Day. This is the day – calculated by the Fawcett Society, that women, on average, stop earning for the year due to the gender pay gap. Unfortunately, women don’t get a six week holiday at the end of each year. Instead, on average our salaries are just lower. There […]

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Everyday expenses

Foodbank Advent 2021 – Help those in need this Christmas

We all know about, and probably have, Advent calendars. But less of us have probably considered a reverse advent calendar.  This year, I’m changing that and will be taking part in Foodbank Advent for the first time. But this is not a new concept. 2021 will be the fifth year the UK money blogging community […]