10 Finance Hacks That Will Make You Rich!

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Ironically, I advocate strongly against the saving of cash. Inflation is a motherfucker and will eat it alive!

Fortunately for you, these 10 personal finance tips will enable you to not only build wealth, but avoid inflation and maintain that wealth long-term!

So, let’s get get into it!


1. Learn to LOVE budgeting 😍

Have I lost you already? No. Good. Most people HATE budgeting and think budgets are boring AF.

But then again, those people are probably broke.

I can say this, because when I thought budgeting was boring, I was sure as hell broke!

The fact is, without knowing how much you spend each month, how do you know how much you can save, and therefore, invest?

You don’t. Simple as that.

You need to make budgeting your new best friend. Fortunately, theres a bunch of apps which make this VERY easy these days.

I personally use Yolt. I link all my accounts to it and it automatically tracks and categorises all my spending for my pay period.

I then take this info, and dump it straight into my Spreadsheet, which also tracks income, assets, liabilities, savings and net worth. But you don’t need to worry about all of those details at firs. Start with simply tracking your expenses with one of these great, free apps.

The simple act of tracking it and seeing your outgoings in easy to understand, visual charts will allow you to see all your spending habits. The good, the bad and the very, very ugly.

But this is GOOD. Because how can you fix a bad habit if you don’t know you have one?

You can download my FREE Income and Expenses tracker by clicking this image:


2. When Payday Arrives, Pay Yourself First!

If you’re in the habit of splurging your free cash on consumer goods you don’t really need every pay day, you’ll never have enough money to live that dream life of freedom.

And, if you’re happy living pay cheque to pay cheque like this, you can go ahead and stop reading this article now. This information is not for you, and neither is any potential for accruing wealth.

When you get paid, save a portion of that pay immediately. Preferably into long-term investments.

Start with an amount that’s manageable and not too daunting, like 5%. Try and increase this every year by just 2-3%.

Why? Well, say you earn £3,000/month and save 5% (£150). Here’s what you’d have after 35 years assuming an 8% return:

£323K. Not bad!

But let’s say you increase your yearly contributions by 5% as your salary increases throughout your career:


An extra £255K but simply topping up your contributions regularly.


And when your raises or bonuses come around, try to save as much as 100% of these if circumstances allow.

Imagine the end number if you manage that!

If you invest this long-term into index funds, ETF’s and/or stocks, your wealth will grow VERY quickly.


Consumer debt is bad.

Business debt, when used to leverage opportunity can be good…

But that’s not what we’re talking about here. I’m talking about personal, consumer debt: credit cards, store cards, store finance, etc.

If you’re carrying any kind of consumer debt, get it gone!

It mounts up very quickly. And although it may provide access to that immediate gratification we all seek. It diminishes our ability to invest, save for emergencies, and ultimately, puts any chance of achieving financial freedom on hold!

That’s not what you want!

Rules for debt:
If you can’t afford it, you can’t have it!
If you want it really badly, work harder for it 🤷‍♂️


If you’re already carrying some debt, here’s what you need to do…

Go through all your accounts and sum up all your debts! Every penny.

Because you’ll never be able to tackle it if you don’t know what you’re dealing with!

Once you’ve done this, like magic, you’ll find yourself frightfully aware of how much money you’re throwing out the window each month in payments & interest.

But, what’s more…

Seeing this debt summed up in one place will have a psychological impact, changing your mindset entirely.

From that moment on, you’ll be determined to make that number go DOWN. Not up!

And that’s where change starts to happen.

If you’d like a made-for-you spreadsheet ready-to-go, the guide below includes the very spreadsheet I use to track all my finances. Click the image to take a look.

4. Credit Cards Are Only Good For One Thing!

Credit cards should only ever be used when you’re able to clear them completely each month.

For example, use them for day-to-day expenses such as groceries, fuel and bills, and then clear the balance when you get paid!

The beauty of this is that you can accrue all of the rewards points and none of the bad debt!

Rewards credit cards come in many forms. You can get credit cards which reward you with travel reward points, aviod points, supermarket loyalty points which can be exchanged for cash value on your groceries, etc.

Find the one that benefits you the most and use it wisely!


5. Live Below Your Means!

Basically, spend less than you make each month.

Doesn’t take a genius to understand this. But I’m always amazed by these people that run out of money days, or even weeks before payday because they’ve spent more money than they make! 🤦‍♂️

Stop it.

Again, by simply tracking what you bring in and spend each month in my free expenses tracker at the top of this article, you’ll be able to plan your months and watch your spending closer than ever before!

I’m gonna leave the link here for you again 👇

Don’t pass this up. It’s free!

6. Save an Emergency Fund!

This is critical!

Having 3-6 months salary saved in case of an emergency is the ultimate sleep-aid!

It takes the pressure off should you lose your job or need to stop working for any reason.

Sounds like a lot to save, I know. But just start putting away what you can today and you’ll be so glad that you did!


7. Set Ambitious Goals!

This is more important than you might think.

If you start saving or investing without know what you’re doing it for, you’ll never stick to it!

This is why I suggest having a target in mind:

🔸A holiday
🔸A house
🔸Enough invested to stop working
🔸Save £10K, £100K
🔸Save 7 figures!

Whatever it is, just write it down. and start working towards it.

You won’t believe the power of simply writing down a goal and taking daily steps towards achieving it.

My target is to have enough invested to stop working.

There’s a tab in the spreadsheet that comes with my guide (see number 3 ☝) that works this out for you based on your expenses.

It’s pretty neat!



Honestly, if you want any hope of achieving your long-term financial goals, investing is genuinely the most powerful tool there is and your absolute best bet!

🔸Index funds
🔸Dividend Stocks
🔸Growth/Value stocks (if you know what you’re doing)

Find an investment vehicle and strategy that fits your goals, timeline and risk appetite and stick to it!

You can download the free mini-guide I wrote, The 10 Commandments of Investing here:

My approach is to invest in individual stocks, with a couple of ETF’s and dividend stocks thrown in where it makes sense.

My strategy has earned me an 86.7% return over the last 13 months+

Beating the overall market performance by quite some margin!

You can learn my research strategy for stocks by clicking on the image below:

Or, join my Private Stock Group and you’ll get a copy of this guide for free!

9. Track your net worth!

Your net worth = Your Assets – Your Liabilities

Knowing your net worth is alike to seeing the health status of your finances in the moment in time.

By not only knowing, but tracking it monthly, you’ll have the benefit of knowing what impact your lifestyle choices are having on your financial health.

This can stop you getting into future difficulty.

It will also help you to identify the best ways of growing your net worth. So, you can work out how to reach financial freedom even sooner! Maybe even retire early 🤷‍♂️

If you don’t already have a way of calculating & tracking your net worth, guess what?

Yes! You can do that in the spreadsheet that comes with my ebook too.

I really have thought of everything!

10. Earn More Money!

Sounds obvious.

But the easiest way to build your wealth is to earn more money!

I currently have 5 sources of income:

1️⃣ My 9-5
2️⃣ Online courses
3️⃣ Private Membership Group
4️⃣ Amazon FBA
5️⃣ Affiliate Marketing

The two highest earners, outside of my 9-5 are Amazon FBA and Affiliate Marketing.

If you’d like to start making money on Amazon, the best place to start is with Products for Profit – a membership group which tells you what items to buy and sell on Amazon, Ebay, etc.

This is the fastest, easiest money I’ve ever made.

Check out my 1 month breakdown detailing how I made £722 profit in my first month (a 1000% ROI 👀)

You can sign up here:

With affiliate marketing, I literally get paid for tweeting. Sounds insane, but you just need:

✅A twitter account
✅Products to promote

If you download either of my guides, join my private stock group, or PFP, you can affiliate for all of these and get 50% for each sale you make.

This guide teaches you how to succeed with affiliate marketing, from start to finish. And by clicking on the image below, you’ll get access to a 25% discount exclusive to my readers.

If you’d like to create a brand on twitter, grow an account to several thousand followers and make £100’s every month by simply tweeting, like I have…

You should join the $mart Engagement Community. You’ll get:
✅Access to 2 engagement groups
✅$mart Twitter Growth Guide (value $45) FREE
✅A channel for every niche & side-hustle
✅All led by large accounts who are winning!
✅Chat 1:1 with people making big money online!

So, that’s how I’m building long-term wealth, and making a bunch of money on the side of my 9-5.

My only advice would be to take this one step at a time. Sort out your current finances before trying to make money elsewhere, otherwise you’ll get overwhelmed and won’t stick to either long-term.

I hope you found this article useful!

If you’re getting value from these posts and want to support this blog, subscribe below to join the FSD notification squad to get new posts straight to your inbox! Thank you!


Some of my articles may contain affiliate links to products I have personally used and benefited from. If you make a purchase, I will receive a small commission at no extra cost to you.


That’s right!

I’m currently giving away 3 products for a limited time:

1️⃣ My Income & Expenses Tracking Spreadsheet

2️⃣ The 10 Commandments of Investing Mini-guide

3️⃣ My 9-5 Escape Plan

Starting with the first product, here’s what you’ll get:

1️⃣ Income and Expenses Tracking Spreadsheet

This is the very spreadsheet I use myself to track my income and expenses, as seen in my monthly reports, which you can see here on my blog.

Download it now to start tracking your income and expenses today 👇

2️⃣ 10 Commandments of Investing

This is a summary of 10 do’s and do not’s when it comes to investing in the stock market. Take note 📝

Avoid the mistakes made by others by learning from them. Get savvy about investing 👇

3️⃣ My 9-5 Escape Plan

Find out how I have planned and am executing my 9-5 escape.


Because you can do it to.

Start building your plan today 👇

I plan on updating these products as regularly as possible with great new tips and advice to help you improve your investing and your personal finances.

If you’re getting value from these posts and want to support this blog, subscribe below to join the FSD notification squad to get new posts straight to your inbox! Thank you!

Make Money Online Ep. 3 – Affiliate Marketing

If I were to tell you that you could start making money this week by simply tweeting, you’d probably think I’m mad, right?

Well, I probably would have said the same thing just a few months ago.

I used to hear the term ‘affiliate marketing’ and think it was some complicated way of swindling people out of their money. I never really understood what it was or how it worked. And I definitely didn’t think I, someone who hasn’t the slightest clue about ‘marketing’ could use it to make money.

What I’ve since learned is that it’s literally just recommending products you believe in, or have used yourself to others and earning a commission or ‘finders fee’.

I decided to give it a go with the group I use for my retail arbitrage, Products for Profit.

This group charges a monthly subscription to people who sign up, and if they sign up with your affiliate link, you’ll earn 50% commission for every payment they make until they cancel their membership.

I had mixed results, getting a few sales here and there.

Then I came across a course which teaches you how to affiliate for products successfully and make regular sales.

After applying what I’d learnt, I started seeing results literally the same day:

This is less than 1 week of sales.

Totalling ~£300.

That’s profit.

And all but one of these are for recurring memberships.

And I achieved all of this from my phone, using twitter to promote these products.

Anyone with a phone can do this.

Some people will inevitably cancel their memberships after 1 or a few months. But for those who don’t, I’ll continue to make my commission.

And in continuing to market these products, sharing their benefits and how they’ve helped me, I’ll continue to make sales and build on this recurring income.

The course breaks down the process, step-by-step.

What I particularly like about affiliate marketing, is it’s quick! Other methods of making money online require large, up-front investment. Or, you need to create your own course or product, which can take weeks.

With affiliate marketing, someone else has already done the hard part – creating the product.

You’re just helping them find customers.

You can download the same course I used to get the results you saw above by clicking the image below.

Start a new side hustle today 👇

If you’re getting value from these posts and want to support this blog, subscribe below to join the FSD notification squad to get new posts straight to your inbox! Thank you!


Some of my posts contain affiliate links to products I personally use and have benefited from. If you make a purchase of one of these products using my link, I may earn a small commission at no extra cost to you.

Summer Money Maker!

The summer is coming in the UK!

It might not feel like it right now, as I sit writing this whilst it is 3°C and sleeting outside… But summer IS coming!

This brings with it HUGE money making opportunities. Particularly as travel to foreign countries is still restricted and is likely to remain in place for some time.

What does this all mean for you and I?

Well, people are investing a lot of money in their own outdoor spaces:
✅Garden furniture
✅Fire Pits
✅Hanging chairs
The list goes on!

How can you benefit from this?

The same way I have…

By buying the items that are most in demand and selling them on for a tidy profit.

Here’s a list of the products I’ve sold in the last month as people prepare for the impending warm summer months ahead:

That’s £664 PROFIT!

And let’s face it, the summer hasn’t really arrived yet.

Every time we get a little bit of sunshine, my phone blows up with messages about my listings on FB Marketplace and Ebay orders.

If you want to capitalise on this rush before it’s too late, join PFP (Products for Profit).

This is the community which tells me exactly:
✅What to buy
✅Where to buy from
✅Where to sell (Ebay, FB, Amazon)
✅How much to sell for

They do all the research and tell you the items that are most likely to sell.

The best part?

There’s 0 risk to your money. Because if something doesn’t sell within 30 days, you simply return it to the store you bought it from for a full refund 🤷‍♂️

As I said at the beginning, with people unable to travel this year for their holidays, they will be pumping a lot of money into their gardens so that they can enjoy the outdoors with their families who they’ve not seen for months!

You can capitalise on this and make yourself a few £thousand if you know what to buy.

Let the guys at PFP take care of that part for you. So you can count and enjoy your profits:

There is a monthly subscription, of course. However, as you can see from the profits I’ve made on summer seasonal items ALONE, I’ve earned nearly 10 times what my membership costs per month (~£73).

Join today and see how much you can make in 1 month.

If you’re getting value from these posts and want to support this blog, subscribe below to join the FSD notification squad to get new posts straight to your inbox! Thank you!


Some of my articles contain links to paid products. If you make a purchase following my link, I may earn a small commission at no extra cost to you.

Monthly Report #11 – March 2021

Welcome to my monthly financial report for February 2021.

It was a much better month overall than February.

With markets beginning to bounce back slightly, although cautiously. And with managing to boost my sales with my flipping side hustle, despite STILL being under review with Amazon 😫

Fortunately, the impending warm weather in the UK makes for some GREAT local flips of in-demand seasonal items.

As we go through this monthly report, you’ll see snapshots of the spreadsheet I use to track my:

✅Equity & Assets
✅& Net worth

I’ve been improving this spreadsheet for nearly a year now, adding more functionality and automation to it all the time.

I’ll leave a link at the bottom of this post where you can download your own copy.

Let’s get into this month’s report!


If you follow these monthly posts, you’ll see I’ve made further improvements and functionality to this tab.

Not only can I see the split of all my expenses, savings and income. I can also see the value of my income vs my outgoing’s and my current saving’s rate 👌

The best part is, this is all automated. So, I just fill in the information in the top image, and the formula take care of everything else for me!

For the more observant of my readers, you will have noticed that my income:outgoing ration does NOT look good this month.

That’s because we splurged a bit of cash on some new blinds. We’ve been using these £3.50, paper blinds from IKEA since we moved into our new house and agreed that we needed to do something about them.

Unfortunately, we have 2 bay windows in our new home, which makes blinds pretty damn expensive, so these had to go on the credit card.

Not very savvy of me, I know 🙄

BUT – I used my 0% interest card, collected rewards points and got 10% off with a code I found online… So, I still tried!

It was a pretty expensive month in general due to my wife’s birthday being at the beginning of April. So, the ‘Gifts’ area took a hit, too.

On top of that, we also have my sister-in-law living with us whilst the purchase of her own property goes through, which has increased our food budget. However, she is paying us rent. Two thirds of which is going straight into the account we use to pay for food and the other third into our bills account for the impending utility bill increases we anticipate from having another person using the water, gas and electricity.

Important to plan ahead for these things so we don’t get stung later on.

We weren’t able to save quite as much as last month due to the points I mentioned, so the saving’s rate dipped from 33% last month to 28% this month.


Retirement Expenses

Using our current monthly expenses from the previous tab, I can adjust the outgoings to reflect what life should like like for us in retirement.

I basically take all the outgoings that will still be relevant, like you can see above, and factor in inflation for a worst-case scenario of what our outgoings will look like. I also cut out any expenses that won’t be relevant, such as our mortgage, as we plan to have this paid off before we retire.

Using this ‘yearly expenses’ figure, I can then calculate how much money I need saved in order to retire early, using the 4% rule. You can see this in the bottom-right of the image.

To summarise, I need an income of £26K to cover our yearly expenses. Using the 4% rule, I need a stash of £650,209 (my perpetual money making machine).

So, how am I doing on my journey so far:

This hasn’t changed from last month.

I’m on track to have an £11K surplus. This means I can either retire earlier than I am planning, or have a more luxurious retirement.

I’ll probably go more for the earlier retirement option. However, this factors in the rates of return you can see in the left-hand table (7% for my workplace pension and 12% for my personal pension). I’m actually achieving far greater than this so far, with a return of 87.9% in my personal pension and a 70% return in my workplace pension.

So, I could be on track for a decades-sooner retirement than I was thing. But of course, life can be bumpy, and so can the stock market. So, I’m not counting my chickens just yet!

I’ll be proceeding with the current plan until I get much closer to my target retirement age and can reassess my portfolio performance at the time.


Savings are on their way back up again 🙏

Thanks to some more positive sentiment in the stock market, my accounts are looking much healthier!

The goal is to cross over £60K this year!

Equity & Assets

Luckily for us, property prices have seen a huge jump in our area!

Where we moved into a brand new house on a new-build estate, the figures on the App I use which calculates our house price based on purchase price and similar property sale prices in the area took a while to catch up and didn’t have many data points to go on.

Several of the properties in the area have now been re-sold, so the app is giving us a more up-to-date estimation of the property value.


This one is not moving down as much as I would like. Obviously, adding the cost of our blinds to the credit card did not help!

We need to get the rest of this debt gone! ASAP!

There’s no worse feeling than owing someone money.

Net Worth

The sudden increase in our properties value has given the net worth a boost this month!

Certainly not gonna complain about that!

I have invested in a few new positions this month which I’m confident will perform very well in the coming months and years. So, I expect to see this graph improve dramatically!

Side Hustle Income

A much better month than February, but the lack of Amazon sales is definitely having an impact on overall profits.

Fortunately, the warm weather we’ve had and are due to get in the UK has pushed demand for garden furniture and equipment through the roof!

And even better for me, the chaps in the Products for Profit group know what to buy to sell on for a tidy profit!

That’s enabled me to bring in another £373 this month in pure profit, after all membership and other fees.

If you want to make some fast money this summer, sign up here.

Happy to say, the rest has come from my course and affiliate sales, which is awesome!

I’ve just invested in a new course called, ‘Checkmate Affiliate Marketing‘ to double down on this income stream and improve my skills. It will also enable me to be less dependant on flipping for making fast easy cash!

Plus, there’s no postage and packaging with affiliate marketing 🙌

Let’s see how I do with affiliate sales in next month’s update!

If you’d like a copy of the spreadsheet you saw above, click the image below to get yourself a copy of my 5⭐ ebook: 7 Simple Steps to Financial Freedom

If you’re getting value from these posts and want to support this blog, subscribe below to join the FSD notification squad to get new posts straight to your inbox! Thank you!

Payday Sale 🥳

Happy Payday!

This one was a big one for me. So I wanted to celebrate by giving you a huge discount on my 5⭐ rated ebook:

7 Simple Steps to Financial Freedom.

I went from being broke and in debt to building a £170K net worth using the steps in this guide and the excel I personally built and perfected over many months.

The spreadsheet is your all-in-one, ready-built solution to enable you to:

✅Track Your Income & Expenses

✅Track Your Savings, Assets & Debts

✅Calculate & Track Your Net-Worth

✅Plan & track your progress to early retirement.

It automates and simplifies the process of monitoring your finances. So you can notice trends in your spending habits and take action to improve your financial circumstances and like me, grow your net worth!

You can get all of this, today with 40% off!

Just click the image below to find out more and claim your discount.

Have a great weekend!


📈Weekly Stock Portfolio Update📈 15 – 19 March

Welcome to this week’s portfolio update!

The markets are still in a slight state or turmoil right now. Particularly for tech and travel stocks.

Honestly, I’m pretty damn great fun the the correction is holding these stock prices as low as they are.

The reason? I get my yearly performance bonus this month. And this years bonus is a big one! 🤩

This means I can capitalise on the low prices and ride the wave of recovery 🚀

In theory.

Prices could still fall, but I think this is unlikely to happen. If it did, it would not be dramatic as prices are seemingly fair for the most part.

Due to this, the list of stocks in my shopping list is growing by the week!

If you want to join the Private Stock Group, I’ll put a link at the bottom of this blog.

The platform I use for investing is called Freetrade. If you sign up with this link, you can earn a free share worth up to £200!



It was another pretty dismal week in the end!

Monday open: £9,142
Friday close: £8,934

What started out looking like a decent gain, soon took a turn for the worse in the latter half of the week.

🔻£208 2.2%

Looking at my insights…



Still pretty happy with my overall holdings and split by sector.

But I do have plans to build some defence into my portfolio with a few more growth and industrial Titan stocks so that I’m not so exposed to tech and variants of tech which are just as susceptible to yield changes.



Removing the money weighting from interest and dividends, my account was actually down around 4.6%, which again, was pretty disappointing after a seemingly good start to the week.

However, yields dipped into Friday resulting in some regained ground, so I’m hopeful this continues into next week.

Overall, my portfolio gains are far in excess of the wider market performance over the same time period.

In short – I’m still outperforming the market. And this is the ultimate goal here.


Current holdings

Subscribe to get access

Read more of this content when you subscribe today.


Yet another rough week!

But I’m glad valuations are remaining fair and not bouncing right back into the ludicrous levels we saw the the preceding months.

The fundamentals, earnings and outlook all need to feed into the company valuations.

When it’s all based on unproven outlook, valuations get crazy and we see corrections like the one we’re in right now.

The secret to long-term success with these corrections is to double-down on those stocks with solid fundamentals, earnings, growth and moat.

These are the stocks which will bounce back harder and faster!

Let me know in the comments if you have any questions or comments on my portfolio.

To join The Private Stock Group and receive more in-depth updates, as well as my:

✅Full list of holdings
✅Live trade alerts
✅Stocks to buy
✅Watch list
✅Tops for beginners

Plus, dedicated rooms for:

✅Dividend stocks
✅Market updates

And 24 hour access to me and other investors for Q&A.

Click the image below 👇

If you’d like to learn my research strategy, click the image below:

Here’s to a greener week!

Monthly Report #10 – Feb 2021

Welcome to my monthly financial report for February 2021.

It’s been another interesting one, that’s for sure!

Following last months absolute ripper, where I had my highest earning month form my side hustles ever, February had some big shoes to fill!

And the month was off to a great start for the first couple of weeks before I hit two, quite sizeable speed bumps:
1. A market correction of around 15% wiping £1000’s off my investments.
2. Amazon putting my seller account under review and holding my money until it’s complete 😭

As we go through this monthly report, you’ll see snapshots of the spreadsheet I use to:

✅Track my expenses
✅Estimate my retirement expenses
✅Calculate saving’s rate
✅Work out my FI number (amount of £ needed to retire early)
✅Track debts
✅Track savings
✅Track asset & equity
✅Track my net worth

It took me months to build it to its current state and I’ve built a good amount of automation into it now, so it literally takes me about 10 minutes to update the necessary tabs to get the Net worth report out at the end.

If you’d like a copy, you can get one along with my 5⭐ rated ebook, 7 Simple Steps to Financial Freedom… by clicking on the image below. There’s 20% off included for all my readers, too!


Anyway, let’s get stuck into the details so you can see where I’m up to on my progress towards financial freedom.


Expenses for February:

Nothing crazily dissimilar from last month’s update, which is good!

Our shopping (consumerism) came in slightly lower than last month. But we spent slightly more on takeaways and fast-food 🤷‍♂️

We have just taken the decision to cut down a couple of unneeded expenses, too. So, next month the window cleaner and PC Lottery will be gone!

Also, I’m happy to see our food budget settling at around £620 per month, give or take. With our daughter now fully making an impact, this spreadsheet has been awesome in helping us see what impact she has had on our food budget and how much we should expect to be spending each month.

If you’re not currently tracking your expenses, I highly recommend it!

A broader overview with this chart puts things into perspective nicely.

I can clearly see how much of our money is going out on the different catagories. I’m super proud of the fact that our ‘savings’ chunk is now greater than our ‘living costs’ chunk!

Our saving’s rate is now at 33%, which you can see over on the right hand side! This is awesome!

But I want to get it up to 40% in the next 2 years. The bulk of this will come from increasing our income, as we have already rationalised our outgoings quite considerably and are comfortable wit our lifestyle.

This should continue to grow. As our outgoing are pretty much the highest they should ever be. So, any new income will be mainly going into those savings to satisfy our goal of early retirement instead of satisfying our short term gratification needs of consumer goods!


Retirement Expenses

Using our current monthly expenses from the previous tab, I can adjust the outgoings to reflect what life should like like for us in retirement.

I basically take all the outgoings that will still be relevant, like you can see above, and factor in inflation for a worst-case scenario of what our outgoings will look like. I also cut out any expenses that won’t be relevant, such as our mortgage, as we plan to have this paid off before we retire.

Using this ‘yearly expenses’ figure, I can then calculate how much money I need saved in order to retire early, using the 4% rule. You can see this in the bottom-right of the image.

To summarise, I need an income of £26K to cover our yearly expenses. Using the 4% rule, I need a stash of £650,209 (my perpetual money making machine).

So, how am I doing on my journey so far:

I’m currently on track to have a surplus of £11K per year.

Which also means I’m on track to retire earlier than I’m currently planning.


However, plans change and life can be bumpy. As we’ve seen the last couple of weeks, markets can take a quick turn for the worse.

So, I’m leaving this in as buffer for now. If I still have a surplus as I’m very near to my target retirement age, I’ll absolutely hit the button sooner!

But I’m not taking any risks. I’ll just continue to monitor this one.



This chart has taken a bit of a hit in Feb!

However, it’s only as high as it is because of the incredible growth my investments have seen in the past 12 months!

So, I’m not gonna complain about a slight pullback.

The only other difference here is we have combine two of our savings pots into one for our emergency fund as they were pretty much both for the same thing. This gives our compounding more power!


Equity & Assets

We’re at a point in our mortgage where the principle is going down painfully slow!

It’s honestly gonna take a couple of years to get over this hump as we have some other priorities to focus on.

Once those are in place however, our income should be increasing quite considerably. This is what will then be used to bring our mortgage down quite rapidly!


They don’t look like they’ve gone down much this month, but they did a bit!

We paid off just over £2,600 in debt in February.

Happy with that. Could be better though!

Here’s where all of this really comes into play though….


Net worth

The real measure of our financial circumstances…

Despite the stock market correction making a big dent in our portfolio growth, our net worth is still increasing 🙏

Although, only just this month!

But progress is progress!

The next few months will be unreal due to the number of incredible buying opportunities there have been in the markets over the last couple of weeks.

I’ve put a lot of time into stock research and found a sizeable list of companies I think will bounce back BIG once this correction eases its grip.

If you want to see this list, I update it several times per week and post this in my Private Stock Group. Click here if you want to check it out.

Side Hustle Income

This month was pretty dismal in comparison to the previous month due to the point I mentioned at the start of this post about how Amazon have put our selling account under review 😭

The ironic thing is, they did this because we were selling ‘too much’ and our sales volume wasn’t ‘supported by customer feedback’.

So essentially, they saw this brand new selling account suddenly turning over £10K from nothing and got suspicious.

I get it.

But the annoying thing is, we can’t force our customers to leave us feedback and we can’t sell anymore products to get that feedback because our account is under review.

Frustrating, to say the least.

Because of this, I diverted a lot of my time away from flipping products in February whilst trying to solve this issue and boost my affiliate/product sales.

Hence the chart you see below:

However, we’re one week away from our review end-date.

Which, hopefully means we can get back to selling!

This current month has already been better than February as I’ve put a lot of time into local and ebay flips to try to replace the money we were making from Amazon before.

We’ll see how well this works in next month’s update.

Which reminds me – if you enjoy these posts and find them valuable, please subscribe below so you don’t miss an update in the future!

To get a copy of my Spreadsheet and the 7 Simple Steps to Financial Freedom ebook, so you can take ownership of your finances and secure a brighter financial future for yourself and you family, click the image below for 20% off 👇

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📈Weekly Stock Portfolio Update📈 1st – 5th March 2021

Welcome to this week’s portfolio update!

The markets were very unkind, yet again last week!

Particularly for tech and growth stock-heavy portfolios such as mine.

Here is real-life footage of me trying to hold my stocks through this correction:


Seriously though, I welcome this correction!

I’ve been talking to my Private Stock Group members for over a month now about how valuations across pretty much every single market sector were at ridiculous levels, and that we shouldn’t be scared of taking profits on those big gainers we’d seen throughout the year.

I also gave the suggestion to consider building up on cash reserved to capitalise on any upcoming dip.

Fortunately we did just that!

We locked in the following profits on these stocks:

$SFIX 160%
$RVLV 106%
$TPR 145%
$UPWK 102%
$CAKE 80%

As we’ve seen though, no one is immune from the markets when they decide a correction is needed and they take a dive!

However, this has created immense buying opportunities and I have been posting an ever-growing list of buy opportunities in the Private Stock Group every few days which includes justification, target price, time-scale of opportunity, etc.

So, the following few weeks and months are going to be ones to watch! It’s these tough times that will separate those who are in the markets for long-term wealth from those who just want to spin a quick profit.

Anyway, let’s get stuck into this!

The platform I use is called Freetrade. If you want to sign up and get started with building your own portfolio, use this link and you’ll get a free share worth between £3 – £200!



Last week was another which closed in the red!

Week open: £8,910
Week close: £8,330


The markets have NOT been kind to say the least!

However, selfishly hoping that these prices hang around while I accumulate more capital to invest in the market!

Let’s see what happens this week!



I blew all my remaining capital on stocks which were way down last week. Never seen buying opportunities like it, so this is not surprising or concerning!


The account was way down vs the wider markets dip.

This is something I need to work on ongoing to ensure I’m less susceptible to these testing times whilst still getting the exposure to high growth stocks that has given me the long-term market-beating gains I have seen.

A difficult balance to strike, but we’ve all seen which stocks have faired better during these times.


Current holdings

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Read more of this content when you subscribe today. You’ll get to see my full list of holdings and any account activity each week!

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Another rough week! But this was much needed in order to bring valuations back in line with earnings and outlook.

As I said in last week’s update, stocks don’t just go up!

Thanks for reading this weeks update!

If you have any question, you can DM me on Twitter using this link

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✅Live trade alerts
✅Stocks to buy
✅Watch list
✅Tips for beginners

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✅Market updates

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The value doesn’t stop there!

For the rest March, you’ll also get a FREE copy of my ebook, Stock Research 101 (Value £12.50) direct to your inbox after you subscribe.

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Let’s have a great week!

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Make Money Online – Ep. 2: Twitter Growth

If you’ve tried growing an audience or making money on Twitter, you know first-hand how hard it can be to get that first sale or commission!

I’ve been there myself.

Doing everything you can to grow that follower count so you can grow an audience that will buy products from you which you genuinely believe in. The same products that have helped you succeed.

All so you can reach that financial milestone of bringing in a side income 🎉

And let’s face facts, the size of your audience is directly correlated to the amount of money you make online.

A bigger audience = more money.

But it can feel like a real slog getting to that first 1,000 followers! 

I know!

I was only ever gaining about 220 followers per month, despite the huge time investment with engaging, retweeting, liking, engagement groups, etc.. Ugh!

I bought two growth guides to help me get there faster.

One of them was from the famous LifeMathMoney, who has over 250K followers…

It didn’t make much difference or tell me anything I didn’t already know if I’m honest 😂

I continued ticking along at ~240 new followers per month and now $35 out of pocket.


@the_smartmoney launched his $mart Twitter growth Guide.

I’d connected with this guy when he first joined Twitter and watched him grow from 100 or so followers to now being at nearly 14K followers! His numbers were nothing short of incredible!

This guy knows how to grow an audience! His own success was all the proof I needed!

I didn’t delay in getting myself a copy.

Since then, my new follower growth rate has doubled!


And it continues to climb as I implement more of his learnings (he updates the guide regularly to keep up with the ever-changing Twittersphere).

If Feb hadn’t been a short month, I’d be at 500 new followers for the month!

The great news is I’m fortunate enough to be connected with this guy!

So, he’s kindly organised a unique discount code for my subscribers so you can get 40% off with my link and get these same results for yourself 👇

Just click here or the image below to claim your 40% discount.

Just FYI – the code is good for just 10 uses and he rarely runs discounts greater than 20%, so these won’t last long!