Money Unshackled Blog
I Just Switched! Best Stocks & Shares ISA For ETFs For 2022-23
The new ISA tax started on the 6th April, which means it’s decision time: Do you continue making deposits into
1.3 Million Noobs! What New Investors Need To Know
Recently I received an email from Freetrade declaring they have had 1.3 million people sign up to their platform. Meanwhile,
High Interest: 7 Best Ways To Stash Your Cash Savings
Since 2008 the interest you earned on your cash savings had become a joke, getting to the point where you
Has Dave Ramsey Lost The Plot On House Deposits?
House prices continue to soar ever higher. The average property price rose by 10.9% over the year, meaning the average
Can You Trust Commission Free Apps? How Do They Make Money?
Hey guys, in the medium to long-term the investment platform you use to invest through must generate a profit for
AJ Bell Dodl Review – New Commission-Free Investing App
AJ Bell have launched their much-anticipated commission-free investing app, known as Dodl, which is set to compete with the likes
Starling Bank Current Account Review – The Best UK Bank?
In this post we’re reviewing the Starling Bank Personal Current account. I’ve been using Starling for several months now and
State Pension Will Surely Be Shut Down – Act Now!
In this post we need talk about the impending catastrophe that is the state pension. We’ve said it before and
My Leveraged Losses
One request we get quite frequently is to do an update on our leveraged strategy – and if you don’t
10X Your Money: 10X Your Life!
I want to kick off this post by telling you a short story. I must have been around 11 years
Exposed: Completely Pointless Money Tips, Tricks, Hacks, Products & Habits
There’s a lot of financial content out there on the internet, TV, in newspapers and in magazines. Some of this
The Truth – Why You Can’t Afford To Buy A Home
It seems that every government policy to help first‑time buyers get onto the housing ladder has in fact pushed up
10 Pain-Free Ways To Shield Against The Rising Cost Of Living
2022 has been dubbed the ‘year of the squeeze’. Households will reportedly be almost £3,000 out of pocket, with a
Your Retirement’s In Danger Unless You Take Action Now
There has been a slew of studies released recently on the dangers the younger generations face in retirement, from underperforming
Our Take: Energy Bills To Rise By 54% / Base Rate To Hit 1.5% / Calls To Punish Success
Hello and welcome to Money Unshackled News. The headlines: Energy bills to skyrocket by 54% or £693 in April for
Avoid This When Aiming For Financial Independence
If you’re as determined as we are to achieve financial independence (FI) and ideally at as young an age as
If You Could Only Watch 1 Video…
We’ve been producing videos on YouTube for about 4 years now and uploaded nearly 450 videos. Over that time, we’ve
S&P 500 To Crash 50% / “ISA Millionaire” Numbers Revealed / Crypto Ban
Hello and welcome to Money Unshackled News. The headlines: The S&P 500 is in freefall. Legendary investor Jeremy Grantham predicts
The Nightmare Ahead For Investors In 2022
The economy fell 9.4% in 2020 and bounced back by roughly 7% in 2021. But now the recovery looks like
The FASTEST Way To Pay Off Debt
Normally we prefer to focus on ways to get rich but before you can begin doing this you need to
You Need To Know This About Money BEFORE You Turn 30
Among the countless stereotypes about young people is the belief that they manage money poorly. How to manage money well
Why You Should Buy Gold In 2022 (And The Best Way To Do It!)
Hey guys! Today we’ll be looking at the many different ways to invest in gold, as well as the reasons
Big Bold Money Moves To Make In 2022 To Explode Your Wealth
Today’s post is about taking massive action to significantly change the course of your life. We’ve covered the need for
We’ve Had Enough! On Crypto Luck, Media Nonsense & Crazy Politics
Normally we like to focus on topics that enhance your financial life; how to invest, what not to waste money
The 8 Retirement Blunders To Avoid
Today we’re looking at 8 retirement blunders that you need to avoid. If you get your retirement strategy wrong, you
Is P2P Dead? Zopa Betrays Customers As It Exits Peer-To-Peer Lending (Alternative P2P Platforms)
We’ve been running Money Unshackled for close to 4 years now, and if you’ve been following us from the beginning,
Why Is Getting Rich So Difficult?!
Almost everyone wants to make more money and get rich, but it never happens for most people. In this post
AJ Bell Launches Free Investing App / Tax Hike Scrapped / Brexit Win
Hello and welcome to Money Unshackled News. The headlines: Proposed Capital Gains Tax hike scrapped by Rishi Sunak. The Office
I’ve Made £60k In 6 Months By Investing!
We’re always saying how important it is to own investments for wealth-building. But it’s one thing to hear the theory,
Why THESE 3 Stocks Have Me Rushing To Buy!
A handful of stocks have been flagged by my Stockopedia filters that I’ve felt compelled to buy – all big
How Big Should Your House Deposit Be & What Mortgage Type To Choose?
Whether you’re an aspiring first-time-buyer or are already on the housing ladder, it pays to know what the best mortgage
Does Being Fat Make You Poorer?
Every study into the connection between wealth and health looks at it from the angle of how wealth impacts health
Is Gen Z Being Cheated? Do THIS Or Be Left Behind
Much has been made of the financial gap between the young and the old. From house prices, to rents, to
5 Personal Finance Misconceptions Costing You A Fortune
Hey guys, in this post we’re going to be looking at some of the really common personal finance misconceptions that
News Wrap-Up: Pensions Under Attack | Time To Bet On Ethereum | Net-Zero To Cost £1.4 Trillion
Hello and welcome to Money Unshackled News. The headlines: BoE fails to raise interest rates, despite everyone saying they should
Passive Buy-To-Let: These Property Investments Return 25% With Zero Effort!
We’ve talked before about the incredible returns you can get from owning rental property in the UK. What we want
Back To Basics: The Complete Beginner’s Guide To Investing
To many people the reason why you invest is blindingly obvious but if everyone knows, then why isn’t everyone doing
The 7 Biggest Money Lies We Tell Ourselves
When it comes to your finances have you ever told yourself a little white lie to justify spending, going into
An 8-Step Plan For Surviving A Crash (& Making Huge Profits From It!)
Whether or not the next big crash is just around the corner, is years away, or is happening right now,
9 Things Idiots Do With Money. Don’t Do This.
We’re looking at 9 things idiots do with money. By avoiding these blunders, you will be more financially comfortable, in
Why Stocks Soared While The World Burned | The Covid Bull Market
For a couple of years that have been so bad, it’s hard not to wonder why the stock market has
The News: EFFing Crisis | Shrinking Rental Market | Student Loan Repayments To Increase
Hello and welcome to Money Unshackled News. The headlines: EFFing Crisis: Energy bills set to rise by £400, empty shelves
Best S&P 500 ETF For UK Investors (And How To Choose Yourself)
Hey guys, in today’s post we’re going to help you pick the best S&P 500 ETF to invest in for
Big NI Tax Rise Rant: How Much Poorer Will You Be?
The UK government is out of money. They’ve borrowed to the hilt to pay for irresponsible spending over the past
Best ETF Portfolio: Now You Can Invest In The Ultimate Portfolio For Free
Back in late 2020 we designed a portfolio that we called The Ultimate Portfolio. As the name suggests it was
Retire 6 Years Earlier With Lifecycle Investing (Diversification Across Time)
Hi guys, we’ve got a really interesting post in store for you today. It’s about an investing concept put forward
5 Myths About Early Retirement That Just Aren’t True | FIRE
The topic we love most is FIRE, or Financial Independence, Retire Early. FIRE involves stashing away as much money as
A Deep-Dive Into Warren Buffett’s Portfolio!
Hey guys, in today’s post we’ll be looking at Warren Buffett’s portfolio. Warren Buffett through his company Berkshire Hathaway has
Step-By-Step Guide To Our Spread Betting Futures Strategy With CMC Markets
Hey guys, we recently created a blog post and video showing how we’re using spread betting to invest in a
What Net Worth Do You Need To Be In The Top 10% In The UK
Hey guys – I don’t know about you, but when I’m adding up my finances each month, I like to
Runaway Inflation – Will The ‘New Normal’ Ravage Your Portfolio
Since 2008, major central banks have pumped over $25 trillion into the global economy, with over $9 trillion in response
How To Release Equity From Your Home To Get £50k+ In Cash
Imagine transferring £50k of extra cash into your bank account, without having to work to get it. Think what you
Saving A House Deposit Or Building Your Investment Portfolio: Which Comes First?
Getting onto the housing ladder is becoming increasingly difficult. In fact, latest figures show only 50% of all 35-44 year
Boris Delivers Tax Blow | House Prices Going Mental | Brits Are Unprepared For Next Crisis
Welcome to MU News. Today’s financial headlines: Boris Johnson U-turns again by breaking Conservative manifesto pledge not to increase national
Best Money Decisions We Ever Made!
In a recent post we looked at our biggest money regrets and we thought rather than just dwell on the
The 3 Essential UK Dividend Stocks For Any Retirement Portfolio
You guys know we spend a lot of time searching for the perfect investment portfolio that will get us to
My Plan To Grow My £200k Portfolio To £1m In Under 10 Years
In a post back in May, I showed how my portfolio had grown to £200k over 5 years, starting from
How We’re Making 33% Annual Returns With Long-Term Spread Betting
Since 1978 – that’s 43 years – US stocks have returned roughly 12% per year. Not bad, but future returns
6 CRITICAL Mistakes You’re Making With Your Stocks & Shares ISA
So you’ve got an Stocks & Shares ISA or are thinking of opening one. It can be tempting to just
You Won’t Believe What New Investors Are Doing!
Hi guys, here at Money Unshackled we love investor surveys. We’ll take any chance we get to delve into the
Earn 7.5% Interest From Crypto, And 5 Other Crypto Tricks!
One of the biggest issues with cryptocurrency investments like Bitcoin and Ethereum is that they don’t pay you a dividend
Buy These 5 Super Stocks Now! (August 2021)
We’ve got 5 new Super Stocks to talk to you about today, which we’re adding to our Super Stocks portfolio
The 5 Best Income & Cash Flow Investments
We’re living in an age of rock-bottom interest rates, where investors have largely given up on cash flow in favour
How To Retire With A £1 Million Pension At Age 50
In previous articles we’ve looked at retiring really young, and there were two themes that were evident: 1) You had
InvestEngine Is A Game-Changer! | Completely Free ETF Investing Platform Reviewed
InvestEngine is a game changing new investment platform that lets you trade ETFs for free, beating the popular commission-free trading
Do Index Funds & ETFs REALLY Beat Actively Managed Funds?
S&P Global, the index provider behind the S&P 500 and other stock indexes, provide some great insight into the markets
Don’t Do This… Our 5 Biggest Money Regrets
“It’s good to learn from your mistakes. It’s better to learn from other people’s mistakes.” – Warren Buffett. In today’s
5 Ways To Invest In The Stock Market Using Leverage In The UK
Using debt to invest really does divide opinion. Personally, we think using other people’s money is a great tool at
10 Tips For Supercharged Matched Betting Profits (How We Made £500+ A Month)
Do you want to make easy money, sitting on your backside, with a beer in one hand and a pizza
Should You Just Live In A Caravan? | Extreme Financial Freedom Now?
When you’re several years or even decades away from your financial freedom goals, your mind turns to crazy ideas to
Are Middle-Earners Getting Screwed By The Taxman? | New Data Reveals All
What goes through your mind when you look at your payslip, and you see big slices of your money taken
Could A 1929-Style Stock Market Crash Happen Again Soon?
With stock markets continually hitting new highs and looking very overpriced, is it possible that the stock market could crash
From £0 To Rich In 10 Years Using Debt | Your 10 Year Plan
Here we’ve set out to prove that anyone can go from £0 of savings to financially free in just 10
Invest In The Best Cryptos With One Fund! – Crypto 20 Index Fund Review
It’s generally accepted that most investors cannot beat the market by stock picking and those that try will often massively
Just One Fund – Is The S&P 500 All You Need?
S&P 500 vs global diversification. Which is right for your investment portfolio? Which will perform best? Is it crazy to
Top 3 Dividend Stocks For Summer 2021 (Trading 212 Dividend Pie Update)
Now that things have settled down a bit in the economy, we can see more clearly through the fog of
10 Outdated Money Rules That Just Aren’t True
In todays’ post, we’re looking at 10 outdated money rules that just aren’t true anymore or in some cases never
Investors With Kids: What You Need To Do To Secure Their (& Your) Financial Futures
At some point during your financial journey, chances are you’ll end up having to factor in kids. The media is
UK Retirees At Risk Of Running Pension Pots Dry
We spend a lot of time looking at ways to become financially free and retire early should we wish. We
How To Get £1000 Cash Fast – 10 Ideas
So you need an extra £1,000, and you need it quickly. How can you do that? In this article we’re
Best Place To Invest For Retirement
Whether you’re hoping to retire young or at state retirement age, where is the best place to invest for retirement?
Are You Spending Too Much? What The Average Household Spends In The UK
Do you ever think you might be spending too much? We usually cover ways to boost your income and make
The FCA Says You Have No Idea How To Invest – Restrictions Incoming?
Recently the FCA published a report into the behaviours of investors. The conclusion was that newer investors are at risk
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
Emerging Markets: Buy, Buy, Buy!
2021 has not been kind to Emerging Markets investments. While the developed nations have powered ahead on a wave of
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
What We Discovered When We Analysed The S&P 500.
We all hear a lot of so-called facts that we just accept as gospel. Things like it takes seven years
Future Investment Returns Are Expected To Be Dismal
How big will your investment returns be over the years ahead? We’ve seen some huge gains recently despite wider economic
Reviewing My Property Empire – Is Buy-To-Let Still Valid In 2021?
Written by Ben I’ve been reviewing my property portfolio recently, in light of the covid pandemic. Over the last year,
How To Build The Perfect Vanguard Portfolio
Vanguard is one of the best providers of index funds and ETFs. So much so, that Vanguard seems to have
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
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
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
Which Stocks & Shares ISA I’m Using In 2021/22
Written by Andy: How do you choose the best Stock & Shares ISA for 2021? Whether you’re a seasoned pro
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
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,
Should You Invest in Alternatives In 2021?
Stocks are expensive, property is expensive, bonds are expensive, and so is gold. Where else can investors turn to in
Tax Dodging Strategy – No Dividend Stock Portfolio
These days everyone raves about index investing because it’s thought that fees are the deciding factor in how big your
Don’t Invest Like Warren Buffett. Here’s Why
Warren Buffett needs no introduction. He has led the company Berkshire Hathaway for several decades now and turned it into
Millionaires Invest In These Funds – Top Investment Trusts
If we want to become millionaires, then surely it makes a lot of sense to do what they do. Recently
Top UK, US & EU Dividend Stocks For 2021 (With Trading 212 Pie)
If you want to invest in the very best dividend stocks in the world, you wouldn’t go far wrong by
How To Become An ISA Millionaire
Surely everyone’s dream is to be an ISA millionaire – to have built up £1m in your ISA. Not only
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
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
These Small Cap Stocks Are Up 33% In 6 Months!
Small cap stocks are taking off! The MSCI World Small Cap Index has absolutely skyrocketed over the last 6 months,
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
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
Super Stock Portfolio – Automated Stock Picking With Stockopedia (& Trading 212 Pie)
Most investors know that if they build a portfolio of index tracking funds and invest for the long-term, they will
How Did Investors Do In 2020
2020 has been a year to forget – but on the flip side, stock market performance has been a rollercoaster,
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
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
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
Investing In The 2020s: Roaring 20s, or a Lost Decade?
A century ago, the 1920s exploded into a decade of prosperity and excess called the Roaring Twenties. Could we be
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
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
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
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
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
How and To Invest In China Stocks From The UK
One in six people on earth live in China, with populations of each of China’s mega regions by themselves the
Triple Your Pension Income – Optimal Safe Withdrawal Rate
How big does your pension pot need to be? The answer comes down to how big your income needs to
3 Super Stocks On Stockopedia For 2021
What’s our number one method of finding winning stocks – stocks that are going to generate double digits returns or
Weak Dollar? Buy Buy Buy! – Currency Risk & Investing
The pound has been strengthening recently against the dollar. Or, more accurately, the dollar has been weakening and losing value
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
The Ultimate ETF Portfolio – Low Fees, Low Taxes, High Returns
We’re always looking to build the perfect ETF portfolio and we think we’ve now come pretty close. While the overall
What Investors Should And Shouldn’t Focus on
Investing is a minefield at the best of times, and there are tonnes of potential traps that investors need to
Trading 212 Pie & AutoInvest Review – Best Investing App?
Trading 212 is the investing app taking the UK by storm and for good reason. One standout feature that we
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
Analysing Long-Term Trends With Relative Asset Values – Stocks vs Gold vs Oil vs Property
When investors talk about beating the market, they usually mean picking stocks. That’s one way to do it, but an
Complete Guide To Buy To Let Property
If you have a dream of building a rental property empire, then you’re not alone. There are at least 1
De-Risk Your Investments While Increasing Returns!
The basic premise of investing is that return is driven by risk: the higher the potential return, the higher the
Enemies of Investing Rant – Things To Look Out For
We all need to look out for a number of threats or evils when it comes to investing. If you
Investing: Back The Winners Or Buy The Bargains | Rebalancing The World
A properly diversified stocks portfolio will cover the whole world and be made up of ETFs or funds that allocate
Why 100 Minus Age Rule Doesn’t Work (Shares Vs Bonds Asset Allocation)
A frequent dilemma faced by investors is, what asset allocation is best? What percentage of your portfolio should be in
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
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.
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
Plan, Automate, Ignore, Get Rich
We honestly believe that anyone can be wealthy. Wealth is not just reserved for an elite group of people –
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
Tax-Free World Portfolio With Synthetic ETFs
We recently did a video showing how the new iShares S&P 500 Swap ETF (I500) could eliminate Dividend Withholding tax
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
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.
How To Get Paid More
Times are tough for UK workers. The government’s rules are not exactly easy to pin down, but workers are being
The Complete Guide To Vanguard Investing – For UK-Based Investors
Vanguard tends to be investors’ first port of call when it comes to index investing and ETFs, which in many
Were We Wrong About Bonds?
We’ve said time and again that bonds suck as an investment, and instead have chosen to put the bulk of