Real Life Money

Full disclosure: I am invested in this fund!

AI and robotics, stocks and shares, learn investing, investing for beginners, Bristol

What happened after the Covid crash of 2020?

Interesting to see how fast it recovered, and the lesson is not to make any rash and emotional decisions when markets are falling. Zoom out and you see that markets have always recovered, even through world wars and pandemics.

Learn more at my highly rated investing workshops - link in bio!

Unbelievable results - investing versus savings

Have you ever wondered how much more your money could grow if you invested rather than leaving it in a savings account? Look no further, my quiz is here.

4 simple questions and then it will calculate your results in front of your eyes! What’s more is that you’ll get a discount code to my investing workshop, so you can learn how to make these figures a reality.

Personal finance, learn investing, should I invest, savings versus investing, beginner investing, Bristol

What do you know about investing? Do you know more / less than my year 9s?

Never fear, I’ll teach you all you need to know at my investing workshops.

Link in bio 🥰

teacher life, investing for beginners, investing workshop, learn investing

WATCH TO THE END

It’s time in the market, not timing the market.

Don’t try and predict what’s coming - there will be ups and downs when investing but if you invest for the long term then you are much more likely to see out those ups and downs.

I GOT IT IN! My face of shock is completely genuine, I haven’t felt like I’m even close!

FIRST PERSON IN MY DMS WILL RECEIVE THE EXCLUSIVE CODE TO BOOK A FREE INVESTING WORKSHOP PLACE (IN BRISTOL)

Learn to invest, investing for beginners, invest long-term, Bristol investing

Day 6 of the coin-flick challenge! 🪙☕️

Today, I am clearing up the single biggest point of confusion for beginner investors: What actually is an ISA? Most people think an ISA is an investment product you go out and “buy.” It isn’t.

Think of a Stocks & Shares ISA as a custom, tax-free shopping basket. You don’t buy the basket itself; you open it. Once the basket is open, you walk down the investing aisles and choose what to buy—like index funds, global ETFs, or individual company shares—and place them inside the basket.

The magic happens once they are in there. Everything inside your basket is completely shielded from the taxman. Any capital gains or dividends your investments make can grow and compound entirely tax-free, forever.

If you are ready to open your own basket but don’t know what to put inside it yet, we have you covered. Comment “VOUCHER” below, and I’ll slide a £10 discount code into your DMs for my upcoming beginner’s workshop here in Bristol!

Let’s see if this 20p coin can land a tax-free flight into the mug today...

Keywords
Stocks and Shares ISA
ISA Explained
Investing for Beginners
Tax-Free Growth
Personal Finance UK
Bristol Finance Workshop

Hashtags
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Day 5 of the coin-flick challenge! 🪙☕️

We’ve talked about inflation, purchasing power, and keeping your money active. Today, let’s look at one of the absolute pillars of the investing world, but one that sounds a bit boring or confusing on paper: Bonds.

Think of a bond as a formalized, structured version of an “IOU” note.

When a major company or a government needs to raise cash—whether that’s to build a new motorway network or invest in massive infrastructure—they don’t just walk into a bank for a standard loan. Instead, they issue bonds to the public and to investors.

When you buy a bond, you are essentially acting as the bank. You lend them your money for a set period of time (say, 5 or 10 years). In exchange, they legally promise to do two things:

1 Pay you a fixed, regular percentage of interest along the way (known as a coupon).

2 Give you your original lump sum back in full on a specific date in the future.

Because the payments are fixed, they are often referred to as “fixed-interest” assets. They are generally considered lower risk than buying shares in individual companies, making them a crucial tool for balancing out a portfolio.

If you want a £10 discount voucher for the upcoming beginner’s workshop here in Bristol, just drop a comment with “VOUCHER” below and I’ll send one straight to your DMs.

Bonds Explained
Investing for Beginners
Fixed Interest Assets
Personal Finance UK
Bristol Workshops
Financial Education

Day 4 of the coin-flick challenge! 🪙☕️

It’s Bow Tie Friday, the vibe in the classroom is great, and we are back trying to land this 20p into the mug to give away a free investing workshop spot!

But before the flick, I want to make something 100% clear about my workshops: I am fully independent.

I am not affiliated, sponsored, or partnered with any investment platforms, fund providers, or financial companies. I am an educator, not a salesman. I’m never going to pitch you a specific financial product, push you into a specific fund, or try to sell you anything from the stage.

The goal is purely education. I want to break down how investing works in plain English, play a few interactive games, and keep the energy positive and simple so you can walk out the door feeling confident enough to manage your own money yourself.

If you want to grab a £10 discount voucher for the next Bristol workshop, just comment “VOUCHER” below and I’ll send it straight over to your inbox.

Let’s see if today is the day the coin actually cooperates...

Financial Education
Investing for Beginners
Independent Educator
Money Confidence
Bristol Workshops
Learn to Invest

Day 3 of the coin flip challenge!

Every Wednesday I’ll deep dive into a fund to give a little bit more info - none of these are recommendations, just interesting to compare them and see how many different types of fund there are.

Beginner investing, investing for beginners, stocks and shares, learn investing, mutual funds, investing Bristol

Day 2 of the coin-flick challenge! 🪙☕️

Today, I want to talk about why we actually need to invest. Obviously, we all want to see our money grow, but the real enemy we are fighting is inflation. It’s quiet, it’s under the radar, but it is constantly eating away at our money if we leave it sitting idle.

Think about the humble Freddo. Back in the year 2000, a Freddo cost 10p. Today, they average about 35p.
That means if you kept a 10p coin in a drawer since 2000, it’s still legally worth 10p today—but its purchasing power has dropped by 71%. You can only buy a tiny fraction of a Freddo with it now (and trust me, the shops won’t let you bite a piece off).

Inflation means the cash we hold buys less over time. To protect your hard-earned money, you have to put it to work so it can grow above the rate of inflation.

Give me a follow to keep up with the daily coin tosses, and let’s get your money working harder for you.

inflation explained, personal finance uk, investing for beginners, learn to invest, purchasing power, money mindset, financial education, wealth building, side hustle uk, simple investing