Renting In Your Fifties. 

If you are still renting a house in your fifties you have a bit of a problem. With less than twenty years to go before you can officially draw on your pension you are left with the need to spend the next few years building up enough cash to not only buy a house but to...

Sunday Musings – Life, Pensions, Debt.

Not sure what it is about Sunday. Perhaps it’s the only day of the week when I can truly please myself, when I can relax, watch crap TV, drink tea in my jim-jams and really be sloth like without feeling guilty.   Question is how do you become independent...

The Secret To Financial Independence

Let me give you the one thing, the simple step that makes the difference, the golden goose – the money secret, the little thing that no one else knows. The thing you must do if you want genuine independence, to have financial freedom.   I can tell you exactly what it...

Cashflow | Peloton | Shopping Lists

I first noticed the issue with cashflow when I first worked with some small businesses. It is clear that most one-man bands and micro businesses are good at what they do – but one thing holds them back.  Cashflow  This is the one thing...

Happiness | Money | Freedom

Are we all just slaves? I attended a meeting last week and observed the trains in a mess with delays and cancellations on route, got to the presentation  – small group training in a clients office, and couldn’t help but notice how miserable everybody looked. On...