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Up the Gains When you invest your capital is at risk Up the Gains is a personal finance website dedicated to helping your wallet grow. Some are easier than others.

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Disclaimer: This channel is for educational purposes and should not be considered financial advice. We focus on tips, tricks and hacks based on personal life experiences that'll help you level up and work towards financial freedom. Financial literacy in the UK is almost non-existent. We’re still taught Pythagoras' theorem over critical life lessons. We’re here to change that and provide somewhere safe for you to learn about money. Most of us find it an ongoing battle with ourselves to get our finances in order, but it doesn’t have to be that way. With the right mindset and tools, you can find numerous ways that work for you. It does, however, begin with you, but you’ll also need some backup along the way, and that’s where we come in. We make money simple. DISCLAIMER:
This channel is meant for educational purposes and should not be considered financial advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Please do your own research before investing.

Nobody used to need a sticker on the window to know not to play videos out loud on a train.You just didn't, because ther...
20/10/2026

Nobody used to need a sticker on the window to know not to play videos out loud on a train.

You just didn't, because there were other people sat a foot away.

Now there's one coach set aside for quiet, and even that gets someone on a speakerphone call about their kitchen extension.

Somewhere along the way, the quiet coach became the exception and every other seat became fair game.

Nobody voted on it.

It just slowly became normal to treat a shared space like your front room, while the people who mind sit there and say nothing.

It's a small thing, but small things add up.

So much of what makes everyday life bearable is people quietly making room for each other, and you only notice when it goes.

And the same "we're experiencing higher than usual call volumes" message since 2020
20/10/2026

And the same "we're experiencing higher than usual call volumes" message since 2020

Most people get nothing back every time they do the food shop, grab a takeaway or order something online.Check the comme...
20/10/2026

Most people get nothing back every time they do the food shop, grab a takeaway or order something online.

Check the comment 👇

Now that's rich.
20/10/2026

Now that's rich.

A Stocks and Shares ISA let's you build wealth tax-free.
20/10/2026

A Stocks and Shares ISA let's you build wealth tax-free.

Packing your own lunch every weekday saves a few pounds a day.Ditching a streaming app saves about the price of a takeaw...
20/10/2026

Packing your own lunch every weekday saves a few pounds a day.

Ditching a streaming app saves about the price of a takeaway.

Put together, that's real money, and it's the stuff everyone loves to talk about.

None of it touches rent, which has gone up another 3.8% in the past year alone.

None of it touches a food shop that's nearly 40% dearer than five years ago, however carefully you shop.

None of it touches the cost of simply getting to the job that pays for all of it.

There's a whole generation who followed every instruction they were given and still find themselves stretched every sing...
20/10/2026

There's a whole generation who followed every instruction they were given and still find themselves stretched every single month, wondering where it went wrong.

Stayed in school. Got the grades. Went to university because that was the route to a decent job.

Took the job, put the hours in, saved what they could, paid into a pension, stayed clear of debt where they could and didn't do anything daft.

Did it all in the right order, exactly as described.

And now, in their thirties and forties, they're nowhere near where that same advice said they'd be.

This isn't a story about bad choices.

The numbers changed underneath the instructions.

More in the comment.

Have you noticed more “cash preferred” signs lately? You’re not imagining it.A new survey found 54% of UK shoppers had b...
20/10/2026

Have you noticed more “cash preferred” signs lately?

You’re not imagining it.

A new survey found 54% of UK shoppers had been encouraged to pay in cash by a business in the past two months.

That might be a sign by the till or staff asking directly.

And when asked, three in four people did pay in cash.

It’s most common in cafés, restaurants, hairdressers, barbers, independent shops and markets.

For many small businesses, cash means avoiding card processing fees.

For shoppers, paying in cash can make it easier to stick to a budget.

But there’s a trade-off. Paying by card gives you protection if something goes wrong, like a refund route through your bank.

Cash doesn’t. So for bigger purchases, it’s worth thinking twice.

You were buying it anyway. Might as well get some of it back.
20/10/2026

You were buying it anyway. Might as well get some of it back.

Same pay rise as last year, but a bigger slice of it ends up with HMRC.The tax-free personal allowance has been stuck at...
19/10/2026

Same pay rise as last year, but a bigger slice of it ends up with HMRC.

The tax-free personal allowance has been stuck at ÂŁ12,570 since April 2021.

The point where 40% tax kicks in has been stuck at ÂŁ50,270.

Both are now set to stay put until April 2031.

Normally thresholds like these would rise with prices.

When they don't, and your pay goes up, more of what you earn falls into a higher band.

No headline rate has changed, which is why it's so easy to miss.

The starting lines just haven't moved.

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