UK  PERSONAL  FINANCE  BLOG

The first, and most important, thing to understand is this: You need to ask to get paid what you deserve. You need to know what to ask for, and, more importantly, how to ask for it. Your Simple Steps to Getting a Pay Rise

Starting your journey to financial independence can feel overwhelming. But what if I told you that building wealth doesn’t have to be complicated? With the right approach, you can set yourself up for a secure future without needing a finance degree. Let’s explore some smart wealth strategies that anyone can use to grow their money steadily and confidently. Do This and watch Your Wealth Grow You might wonder, why focus on smart wealth strategies? The truth is, it’s not just ab

"Where do I start?!"  It's the first question everyone asks when they begin their journey to a better financial life. Grad Rags to Riches is here to provide the knowledge and confidence to achieve your long-term financial goals so that you can live the life you want. This is the simple step-by-step financial education we wish we'd had to help build wealth.

In his latest interview, September 2025, Fred Harrison brings new insight to his 18-year property cycle prediction.

Saving for your first home or a sun-soaked retirement can feel overwhelming. But what if I told you there’s a way to get a significant boost from the Government? Enter the Lifetime ISA (LISA). It’s one of the most tax-efficient accounts in the UK. Honestly, it’s a no-brainer for anyone looking to secure their financial future. A LISA is a valuable tool that offers a significant Government bonus and tax advantages. However, there are rules and eligibility factors to consider.

Is a UK Property Crash Inevitable? According to Rightmove, asking prices for property have dipped in Quarter 3 of 2025, meaning they’ve...

You may have heard the adage: Spend less than you earn. Pay yourself first automatically. Spend intentionally and avoid lifestyle creep ....