About me (apparently Google like to see an About Us page…)

By way of an introduction, I’m a forty-something Yorkshireman, with a day job and a side hustle. Neither of which really achieves what I need them to do.

I have for some time been interested in personal finance, and have dabbled on and off with share dealing. I recently discovered the joys of podcasts, and found it was a great way to use my lengthy commute to learn more about the subject.

I’m also fascinated by the impact that money, and lack of, has on people. I’ve never been wealthy by UK standards, but I have had a net worth of -£££s, and not that long ago. It won’t happen again.

We all make mistakes, it’s how we learn from them which counts. There’s an enormous amount of information available for free online, including investing and managing money. I have found though that investment information is often more complex than it needs to be. My aim here is to simplify money and wealth creation. I hope you fine some useful information/motivation. 

I therefore decided to write it down as a way of summarising and clarifying my thoughts, and share them with anybody who may be interested. Some of the sources of information contradict each other. I believe that you need to take on board all the information you can, and make your own decisions.

There’s no doubt there’s a pensions time bomb, and I don’t expect any state pension by the time I’m 67. Therefore we need to ensure we have enough assets to have a comfortable life when we no longer can, or wish, to work.