
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…

It all started with a number on a piece of paper. No, not a lottery ticket, not a mysterious inheritance—just my payslip. But this particular number made me realise something important: I was being undervalued. And if I could fix that, it would be a direct boost to my journey toward my next 100K. Now,…