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Freelancing

We have a savings problem.

As of 2019, 70% of Americans had less than $1,000 in savings. In the UK, around 25% of adults have no savings at all, and 10% admit to spending more than they earn.

But I think I’ve found the answer — and it has nothing to do with your income.

Let’s be honest — saving isn’t exactly fun. It’s much more exciting to buy the latest tech, a new car, or whatever it is that floats your boat. I used to think so too. It makes me shudder when I wonder how much money I’ve…

Price volatility within the cryptocurrency space isn’t exactly a secret. Critics often point to the rapid price swings as being the reason cryptocurrencies will never achieve mass adoption — after all, who wants a currency that can spike in value by 30% off the back of a tweet from the Dogefather?

My First Time

I remember it like it was yesterday — a nerve-wracking, gut-wrenching experience that caused me to question every decision I’d ever made.

I’m of course talking about the first time I had to endure watching Bitcoin do its best Titanic impression.

Having watched Bitcoin soar for so long, I…

Allow me to be brutally honest for a second — most people don’t know jack about money. We see money as nothing more than numbers in our banking app, or pieces of paper we use to pay for the things we want.

But it is so much more than that.

The ability to handle money isn’t something we’re born with. It’s a learnable skill, one of vital importance that many people never learn. …

Disclaimer — I am not a financial advisor, and the contents of this article should not be interpreted as investment advice.

Do you remember what you did on December 22nd 2017? I’m sure for most people, it was a day like any other. Maybe you did your Christmas shopping, maybe you were at work, or maybe you enjoying the pre-Christmas cheer at home with your family.

For me, I remember that day like it was yesterday — because it’s the day that my financial world began crashing down around me.

Let’s start at the beginning

Back in 2016, my wife and I moved in with…

When Boris Johnson announced that the UK would be going into a third national lockdown — one of the first comments I made to my wife was that at least it would allow us to set some money aside.

And we’re not the only ones.

The UK’s household saving ratio rose to 26.5% in the second quarter of 2020, and in the United States, the personal savings rate skyrocketed to a record 33% in May 2020.

Given that we’ve spent most of the past year being advised to stay at home, it’s hardly surprising that most of us have cash…

“In this world nothing can be said to be certain, except death and taxes.” — Benjamin Franklin

I’d like to add one more to the list, Mr Franklin.

For the avid readers and writers among us, I believe with absolute certainty that at some point, you will have read something which recommends that “publishing every day” is key to earning money through writing.

I’m here to tell you that this is terrible advice, which most writers should avoid like the plague.

The problem with trying to publish every day

When I first started writing, I went through a phase of trying to publish as often as I could…

When the coronavirus pandemic struck at the beginning of this year, the global economy ground to a halt. Amidst the uncertainty, investors fled the stock market, and the Dow Jones Industrial Average dropped 8,000 points between February 12th, 2020 and March 11th, 2020.

Since then, the stock market has been on an absolute tear, with the S&P 500 completely erasing the losses from earlier in the year, and is now at an all-time high, returning +15% this year. …