Issue #69: The Single BIGGEST Impact To Your Money!

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People HATE talking about money.

But when they do…

It’s normally an argument over which bank account or investing app is best… as if that is the be all and end all of being good with money.

Here’s the truth: the biggest changes I’ve made with money didn’t start in my bank account.

🧠 They started in my brain 🧠

Because you can have the fanciest budgeting app, the most organised spreadsheets, or even 14 different savings pots…

But they will be of ZERO help if your mindset is stuck telling yourself, ‘I’m bad with money’.

What have I done to change that?

Here are FIVE of the biggest money mindset shifts I had to make and honestly, they made a bigger difference to my finances than any salary increase ever has.

Shall we begin?

1️⃣ You’re Not ‘Bad With Money’

The logic behind this is simple. Most people who believe they are bad with money end up being with money simply because they keep bloody saying it. But let me tell you, NOBODY is born knowing how a pension works or what an ISA does!!

Money skills are learned. And if you’ve never been taught them? Then it’s most definitely not your fault.

Buuuut it is your responsibility now to start learning.

2️⃣ Saving Isn’t Missing Out

Saving is buying yourself options and freedom. At some point I had to stop seeing saving as something boring or restrictive.

You’re not giving up brunch or holidays forever - you’re just buying future options.

Emergency fund = peace of mind

Investing = the ability to quit a job, move abroad, take a risk later on

So it’s not no forever - it’s yes, on my terms later.

3️⃣ Earning More is NOT Greedy

Wanting more income doesn’t make you money-obsessed. It makes you realistic.

Life is expensive. Ambition isn’t shallow, it’s smart.

Don’t let anyone guilt you into thinking you should just ‘be grateful’ with what you earn now, especially if your goals have outgrown your current paycheck.

Actively work towards that payrise, new job or starting your own thing.. trust me, it’s impressive 🤝 (regardless of what British culture tells you)

4️⃣ You Don’t Have to Wait Until You’re Rich to Start Investing

This one I have said on repeat for YEARS.

Investing is what BUILDS WEALTH, and you only need £1 to start.

This is thanks to a little thing called compound interest and TIME…

If you invested £200/month for 30 years at an 8% return, you’d have about £282,000

If you waited another 10 years to start until you had ‘more money’, that same £200/month becomes £116,000

The earlier, the better. Even if it’s small.

5️⃣ Talking About Money Isn’t Rude

I mean OF COURSE I have this opinion seeing as it’s the only thing I talk about, but talking about money is the ONLY WAY to learn.

We’ve been trained to whisper about salaries and savings like it’s taboo. But silence only benefits systems that keep people underpaid or uninformed.

Empower yourself by opening up money conversations.

Ask your friends what banks they use. Talk about rent prices. Share your wins and your mistakes. The more we talk, the more we all win.

So there you go, 5 steps to shift your mindset about money!!

My challenge for you now is to pick ONE mindset shift to focus on this month - write it in your notes, your mirror, whatever works for you.

I promise you’ll see the difference once you make these mental changes 🤑

^{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.}