Issue #051: Here’s Why You’re SMASHING IT Financially

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Talking about our finances can be f*****g scary.

I get it.

It can often feel like we’re always doing something wrong, or that we can never get it quite right.
But guess what?

You’re probably doing way better than you think.

Let me prove it…

1️⃣You’ve Got Savings
If you’ve managed to put away over £12,500, you’re already ahead of the average Brit!

I wonder if that number was lower than you thought?

BUT (don’t panic yet)

Even if it’s less, the fact you’ve saved anything deserves a huge round of applause. Most people are still trying to find the 50p they dropped in their sofa cushions last year.

2️⃣You’re Saving Monthly

If you’re living paycheck to paycheck, 36% of the UK can relate. It’s way more common than you might think!

However, if you’re managing to save £50–£100 every month, that’s a huge win as you’re doing better than the rest.

Give yourself a pat on the back!

3️⃣You’re Pension-Ready (kind of)

Chucking 5% of your salary into a pension might feel like throwing money into a black hole, but it’s not.

If you’re taking advantage of your company pension scheme… WELL DONE
because your boss has to chip in a minimum of 3% too.

It’s basically government-mandated free cash. Who says no to free money?

4️⃣You Live Within Your Means

If you’ve had a salary increase but haven’t drastically upgraded your lifestyle, you’re winning.

Keeping your lifestyle the same, even when your bank balance grows is the ultimate cheat code for future financial freedom.

That said, treating yourself to a overpriced matcha latte once in a while won’t hurt ;).

5️⃣Your Debt Is Shrinking

Most of us in the UK have debt, whether it be from university loans, high-interest credit cards, or the car we absolutely needed because the public transport strikes just weren’t worth it.

It sucks… but what sucks more? Ignoring it.

If you’re chipping away at loans or ditching that ‘buy now, cry later’ credit card habit, you’re doing brilliantly. A bonus shoutout to all of us who are resisting the January sales.

So friends, I hope this has proved to you that you ARE doing amazingly well financially!

I know sometimes a bit of reassurance goes a long way!

I’d like to ask a personal favour from you now.

This year, I want to make sure this weekly chat with you is the best thing that lands in your inbox (other than your payslip, of course). So I’d love your feedback and honesty.

What do you like? What don’t you like? What do you want to see in this newsletter?

Just hit reply to this email and I promise to read every single one to provide you with bigger and better content this year.

Thank you in advance 😊 

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^{DISCLAIMER: None of the above is financial advice. This newsletter is strictly education and should not be taken as investment advice or a solicitation to buy or sell any assets or to make any financial decisions. Please be careful and always do your own research.}