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Savings and Investments

4 reasons why young people should invest

For this post I have enlisted the help of Haydn from Perpetual Prudence. He will be talking about the main benefits of starting investing early, both financial and non-financial, and why young people should invest as soon as possible! I know what you’re thinking. You don’t need to worry about investing – that’s something for […]

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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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Money tips

It’s not about the money – Get your free book!

Do you ever feel conflicted and powerless about money? It’s ok to admit you do. We all do at times. I’ve been lucky enough to receive an early copy of book that helped me – and I hope will help you too. It’s Not About The Money by Catherine Morgan helped me completely change my […]

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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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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

How to deal with climate anxiety on a budget

COP26 has bought the climate emergency to the forefront of all our minds. No news bulletin is complete without a story about the environment. It’s vital these stories get this attention, but for some – myself included – it’s simply increasing their climate anxiety. It can feel overwhelming and I’m sure I’m not alone in […]

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Everyday expenses

The Twenty Percent – October update

October – like all the months this year – flew by. Writing this update for The Twenty Percent feels surreal but somehow, it’s that time again. This month was fun in many ways, but I’m ending it exhausted. I’m hoping November will bring more sleep. With only two months left of the year, there’s still […]