Category: 0-10k
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Story: My First Taste of Market Crash I’ll never forget my first real experience with a market crash. It was during the COVID-19 turmoil when investments across the board were tanking. My portfolio dropped by about -4% in a matter of weeks. I may not have been new to investing, and but like many beginners,…
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My Uni Days and the Card That Kept Pouring When I was a student, my debit card felt like a bottomless pit of possibility. One more drink? Swipe. Another round? Swipe. The problem, of course, was that there was no natural stop sign. Plastic doesn’t give you the same reality check that cash does. Eventually,…
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Story: How Small Fees Can Steal Big Growth Imagine starting your investment journey with nothing and deciding to contribute 500 per month. You feel proud, disciplined, and optimistic—you’re finally building your financial future. But there’s a silent thief at work: investment fees. Account fees and management fees might seem small at first glance, but they…
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Story: My First Investment Journey I remember my first investment like it was yesterday. I started with an actively managed fund — mostly because I didn’t know better. At the time, I was just happy to have taken the first step. Over the next few months, I realised that fees were eating into my returns,…
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From Funk to First Raise Back in the aftermath of the 2008–2009 crash, I landed my first proper job. Proper in name, at least. In reality, it was minimum wage, exhausting, and soul-sapping. The kind of role that makes you question whether you’re working to live or living to work. What dragged me down wasn’t…
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Story: The Start of Your 100K Journey Starting your investing journey is exciting. The first 10K is a milestone that feels significant — and rightly so. But it’s also where many people stumble, often without even realizing it. That nagging thought, “I’ve done so well, I deserve this”, can quickly turn into self-sabotage. A holiday…
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Most people think saving money means saying no to everything that makes life enjoyable—no dinners out, no coffees, no holidays. But here’s the truth: you don’t need to sweat the small stuff to hit your financial goals. The fastest way to build momentum towards your first 10K is to tackle the big expenses. Housing. Transport.…
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My Story – From Overcomplicated Budgets to Simple Control When I first started managing my money, I thought being “smart” meant being complicated. I tried the daily £20 cash envelope system, weekly allocations, even spreadsheets meticulously tracking every little penny. Spoiler: none of it lasted. The problem wasn’t discipline—it was overcomplication. Systems that required constant…
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The Story – Taking the First Step I remember the first time I set up an automatic transfer to invest just 25. It felt daunting, almost terrifying. I had read the books, studied the theories, and listened to countless voices telling me why investing was essential. But when it came to actually choosing a fund,…