Carried ForwardWriting about money, business, and life — from a UK chartered accountant. Inheritance tax, construction finance, personal finance, and everything in between.https://carriedforward.uk/en-gbWhat I wish someone had told me about money at 22https://carriedforward.uk/writing/money-at-22/https://carriedforward.uk/writing/money-at-22/I qualified as an accountant knowing more about corporation tax than my own finances. Here's what I've actually learned about money since — the useful stuff, not the textbook version.Thu, 18 Jun 2026 00:00:00 GMTPersonal FinanceBecoming a senior manager with newborn twins at homehttps://carriedforward.uk/writing/senior-manager-newborn-twins/https://carriedforward.uk/writing/senior-manager-newborn-twins/Notes on the year everything happened at once, and what actually helped when the promotion and the newborns arrived in the same few months.Tue, 02 Jun 2026 00:00:00 GMTLifeThe maths schools don't teach: real financial literacyhttps://carriedforward.uk/writing/real-financial-literacy/https://carriedforward.uk/writing/real-financial-literacy/Why so few people understand compound interest, tax, or debt — and what I'd change if financial education were actually built for real life.Wed, 27 May 2026 00:00:00 GMTPersonal FinanceRetention money and your balance sheethttps://carriedforward.uk/writing/retention-money-balance-sheet/https://carriedforward.uk/writing/retention-money-balance-sheet/Why retentions distort your numbers more than most contractors realise — and how to stop them quietly draining a profitable business.Tue, 19 May 2026 00:00:00 GMTConstructionShould you overpay your mortgage or invest? A real worked examplehttps://carriedforward.uk/writing/overpay-mortgage-or-invest/https://carriedforward.uk/writing/overpay-mortgage-or-invest/Running the actual numbers instead of repeating the usual rules of thumb — and why the honest answer depends on more than the interest rate.Mon, 11 May 2026 00:00:00 GMTPersonal FinanceTrusts for construction families: when they helphttps://carriedforward.uk/writing/trusts-for-construction-families/https://carriedforward.uk/writing/trusts-for-construction-families/A grounded look at where trusts genuinely reduce exposure for family-run construction businesses — and where they don't.Sun, 03 May 2026 00:00:00 GMTInheritance TaxWhat running a growing office taught me about politicshttps://carriedforward.uk/writing/office-taught-me-about-politics/https://carriedforward.uk/writing/office-taught-me-about-politics/Where I stand, and where I've deliberately changed my mind — lessons on policy that arrived through a payroll, not a manifesto.Fri, 24 Apr 2026 00:00:00 GMTLife