Four things I write about. Filter to the one you're here for — or read the lot.
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.
Notes on the year everything happened at once, and what actually helped when the promotion and the newborns arrived in the same few months.
Why so few people understand compound interest, tax, or debt — and what I'd change if financial education were actually built for real life.
Why retentions distort your numbers more than most contractors realise — and how to stop them quietly draining a profitable business.
Running the actual numbers instead of repeating the usual rules of thumb — and why the honest answer depends on more than the interest rate.
A grounded look at where trusts genuinely reduce exposure for family-run construction businesses — and where they don't.
Where I stand, and where I've deliberately changed my mind — lessons on policy that arrived through a payroll, not a manifesto.
Nothing here yet — check back soon.