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.

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

Buying your first home is a massive step. It’s likely the biggest financial commitment you’ll make in your twenties or thirties, a tangible symbol of your journey from Grad Rags to Riches. But in the excitement of finally getting a foot on the property ladder, it’s all too easy to let your heart rule your head. A fresh coat of paint and some well-placed furniture can hide a multitude of sins, and that ‘dream home’ could quickly become a financial nightmare. We get it. The pre

Tariffs, wars, and economic upheaval seem to dominate every headline, leaving us all wondering: What is really going on? Today, we will...

Average UK House Price In his most recent interview this month with ‘ This is Money ’, Fred Harrison, the economist and author credited...

The 18 year property cycle has been a hot topic of discussion among economists and investors for decades. It advocates that property...

PCH versus PCP Buying a new car on finance, also known as the “never-never”, can have advantages over buying outright. Franchised...

The 3 Golden Rules of Used Car Buying 1. Origin Matters: "A country makes either good wine or good cars. It cannot do both". Some...

Why do Some People get Promoted faster than Others? Do you see someone who graduated alongside you getting promoted while you feel stuck...

Housing Market Resilience Over the years, the UK housing market has been characterised by soaring property prices, supply-demand...

The Rich are Getting Richer In the last post , we looked at ' The 18 Year Property Cycle'  to explain why the UK housing market has not crashed…yet.  In a YouTube video entitled ‘ The Future of House Prices ’, Gary Stevenson provides an alternative explanation based on the way wealth has been redistributed over the last decade. Gary Stevenson ( www.wealtheconomics.org ), known on YouTube as GarysEconomics, is a former interest rate trader and equality campaigner based in Lond

A Tale of Two Narratives In 2020, the COVID-19 pandemic plunged the world into uncharted territory, sparking a flurry of negative...

If you are a fan of MoneySavingExpert Martin Lewis, you will already have watched his ‘Big Briefing’ on student loan overpayments. If...

In last week’s Autumn Statement, Chancellor Jeremy Hunt announced a cut to National Insurance contributions from 12% to 10%. But, what...

In an earlier post entitled ‘Health, Wealth and Happiness’, we briefly looked at a number of simple steps to achieve positive outcomes in...

Monopoly is one of the most popular board games in modern history, but behind the familiar game lies a fascinating relevance to land...

Have you ever wondered how your gross income transforms into the take-home pay you receive every month? If you earn £30k gross, your...