Home Finances - Debt, Savings, Credit Cards

Managing Your Money Effectively

The most common reason why people have no disposable cash is poor management of their home finances - credit cards, loans, savings and expenses. At MU we care most about generating extra passive income, but in order to start investing, first you need to nail down your financial fundamentals.

ARTICLES - Home finances

The Early Retirement Danger Zone | Hack The 4% Rule & Hold Onto Your Money Forever

Followers of the FIRE lifestyle will have heard of the 4% safe withdrawal rate and will be aiming to build
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Getting to 200 Grand – What I’d Change About My £200k Portfolio

When you reach an investment milestone like £200k, it’s good to reflect on your achievements so far, but more important
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How To Reduce Your FIRE Number Or Bring Your FIRE Date Forward – Financial Independence

Ok so the plan is to become financially free asap. It’s what’s known as FIRE – financial independence, retire early.
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Want To Retire Early? Pick Your FIRE Strategy (FAT/LEAN/COAST/BARISTA)

The Financial Independence and Retire Early movement is not very old but it has gained a lot of traction in
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What Percent Of Your Income Should You Invest For Financial Freedom? | Planning For FIRE

What percentage of your income are you saving or investing each month? If you’re like most Brits, it won’t be
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Why Every Takeaway Costs You £1000 | The Huge Retirement Cost Of Spending Decisions Now

Today we want to get you thinking about the opportunity cost of your outgoings. The difference between a rich person
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Checklist For Financial Freedom!

“Let me tell you something. There’s no nobility in poverty. I’ve been a poor man, and I’ve been a rich
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ISA Year End Coming! Will You Join The 3%?

The tax year in the UK doesn’t run from January to December like a normal year. Instead, for arcane reasons,
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Quitting Our Jobs, Best Decision Ever – Why You Should Too!

6 months ago, we quit our jobs for the final time. No more staring at the clock waiting for 5pm.
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Only Buy Your Home If You Answer ‘Yes’ To These 6 Questions | Rent vs Buying UK

Is buying a property always better than renting? In the UK we’re obsessed with home ownership, and you’ll have heard
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Why Your Pension Is Failing You – SSAS/SIPP/Workplace Pensions

Unless you’ve taken a day to sit down and really review your pension situation, your pension is almost certainly failing
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How Much Money We Make On YouTube With 30k Subs

How much money do small youtubers really make? We’ve all heard the stories of how some kid makes millions every
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The 3 Big-Money Side Hustles To Start In 2021 | £££

How can you make decent money outside of your job? The long-term solution that we tout on this channel is
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Should You Buy Premium Bonds

Should you buy Premium Bonds? Well, if you listen to your gran the answer will probably be yes, but if
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How Much People Saved & Invested In Lockdowns

Here’s another in our series of 2020 wrap-ups, this time looking at how saving and investing shot up for most
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What Age Do People Really Retire – Retirement Statistics

In the UK, the government recognises age 68 as the age that it’s reasonable to retire. That’s the age you
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Should The Minimum Wage Be Doubled? Pros and Cons

Should the UK minimum wage be doubled, tripled or perhaps increased just a smidgen? Or maybe you think it’s too
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State Pension UK – How Much Do You Get? Will It Still Be There For You?

When planning for retirement most people will be eligible to receive the state pension, but unfortunately understanding what and how
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Why The Debt Bubble Is Due To Burst – Inspired By Ray Dalio

It’s worth understanding how debt cycles work – the periods of time between financial collapses – so that we can
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Budget Like A Pro – The Complete Guide To Budgeting The Lazy Way

The thought of budgeting is enough to make the eyes of most people glaze over in boredom. We hear you
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Should Debt Be Cancelled? Debt Jubilee

Across the pond, there’s been talk that the new US president Joe Biden could cancel or forgive up to $10,000
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How Big Should Your ISA Be?| ISA Statistics

ISAs are the main investment and savings vehicle in the UK, and every year gov.uk publish a report that gives
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How Much Of Your Salary Have You Kept?

Over your lifetime how much of your salary have you kept? It’s a big question and the answer has a
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A 10 Year Plan – School Leaver To Financially Free

Where do you want to be in 10 years? If we’d asked our 18-year old selves that question, the answer
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Your Opportunity Fund – Career, Investing & Side Hustles

Everyone gets opportunities to make more money. But most people either aren’t equipped to take them, or don’t see them.
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Do It Yourself Or Pay Someone Else?

The Financial Independence Retire Early Movement or FIRE as it’s often known preach doing almost everything yourself with the intention
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What Is A Good Salary And Net Worth – UK – Income and Wealth Percentiles

Where do you sit on the scale from poor to rich? How does your income and net worth compare to
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Take Control Of Your Financial Life – You Can’t Rely On Anyone Else!

We see a lot of people whinging on social media and in some news publications about how the government is
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How Companies Avoid Tax – If You Can’t Beat Them, Join Them

If we told you a legal way of slashing your tax bill would you do it? Of course you would.
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5 Steps To Quitting All Jobs Forever – Escape The Rat Race

We hated our jobs – all of them. And we’ve had a lot of them over the years. The hours,
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Make £500 Monthly Risk-Free With Matched Betting (30 Minutes A Day)

If you’re interested in Match Betting and want a boost at the start, check out our dedicated Matched Betting area
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How Overpaying Your Mortgage Kills You Financially

Paying off your mortgage early will destroy your finances.   If you were raised in an average family you were
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How To Make Money With No Effort

Can you make money with no effort? Yes, you can, and in this video we cover 6 realistic ways to
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How To Retire By Age 30 (or within 5 years)

Retiring by aged 30 is the dream for most young people.   They join the workforce as young adults with
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How The UK Government Can Afford to Pay Everyone’s Salary

The UK along with most of the Western World are, for want of a better word, absolutely screwed…. And that
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5 Easy Life Hacks to Massively Boost Your Disposable Income

Disposable Income is what you have left from your pay after you’ve tossed the rest up the wall on bills,
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Robert Kiyosaki: Legend or Con Artist? Cashflow Quadrant – Rich Dad

Assets, assets, assets. Buy them, hold them, get rich from them. This is the philosophy of Rich Dad Poor Dad
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Retire Wealthy – Vanguard SIPP is Coming to The UK

The announcement that Vanguard are finally going to offer a personal pension, otherwise known as a SIPP, in early 2020,
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Dave Ramsey is Wrong – Don’t Blindly Follow If You’re from the UK!

Dave Ramsey is an American radio show host, author and businessman. If you’ve ever been on YouTube before and looked
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FIRE vs MORE -Multiple Income Streams for Financial Freedom

If you’re into personal finance, you’ve probably already heard about the FIRE movement. FIRE stands for financial independence, retire early.
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