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Learn about who I am, what I do. Understand what Freedom means for you. Start Planning for your Future. Check out the Numbers.

My Story – Why?

Let me ask you a couple of questions:

Do you have a little nest egg sitting in a bank earning you virtually nothing?

Are you tired of high street banks charging you for holding your money?

Are you one of the many whose pension has been delayed?

Are you worried that you won’t be able to afford your retirement?

Are you planning to work much longer than you would like?

If you answer yes to any or all of the above, that should help you understand your ‘why’…and mine.

But let me tell you my story….click to continue reading


Seven letters with such varied meaning, yet the dictionary only gives it two.

‘The state of not being imprisoned or enslaved…’ or ‘the power or right to act, speak, or think as one wants’.

I think that the majority of people reading this take both of these very much for granted.

The ‘problem’ with having such levels of freedom is that we only have our imaginations to constrain our desires. Often this leads to us putting unrealistic expectations on ourselves.

Working every hour God sends in the ‘work-eat-sleep’ society, in pursuit of our goals.

Happiness is…

There is a saying that ‘Happiness is not having what you want, but wanting what you have!’ There is a lot to be said for that because chasing unattainable goals for your future can ruin the now.

So what I’m saying is, that whatever freedom means for you, keep it to manageable and attainable chunks. Enjoy the moment your in by keeping a check on your imagined desires.

What freedom means for me will be widely different to what it means for you.

The image I chose for the home page of this site was not by accident. This represents what freedom is for me.

Owning my own property, growing my own food and having more time to enjoy life.

Having a steady growth financially, means I will be able to live more and work less.

Image by skeeze from Pixabay

Your desired style of life will, no doubt, be different. You may want to go on holiday more, or to more exclusive resorts, you may want mortgage freedom, even a new home, new car…or just to top up your retirement fund.

I must say though that total financial freedom through this method is unlikely.

I say this as it really depends on how much you have to invest, how long you invest for and what your current or future cost of living looks like.

If your goal is attainable then identify what this is, plan out what you need to do to get there and figure out if it is achievable. There is nothing more stressful than wanting something, but not knowing where to start…

The first step is to ‘Find Your Why’! Then plan your route.


Anyone who knows me, knows I’m a planner. It is not so much a career, but a way of life for me. It may even be a disease and that is apparent in what I did with this. I took planning to a whole new level.

It will come as no surprise that I created an excel worksheet for this. Actually I created several (I may have a small addiction).

So what the heck am I planning for?

Image by Free-Photos from Pixabay

My goal of course. As I said on my Freedom post, that is something different for every person, so my plan will not look anything like your plan, but the principle is the same.

Your goal might be to pay off your mortgage? Upgrade your car? Buy a yacht and sail around the world? Or leave a little nest egg for your children? Whatever you choose, you will need to plan accordingly. For me my goal was: to not have to ‘work-to-live’ by the age of 55.

Moving the Goalposts

I am already 53 (time flies when you’re having fun)! I have done many things to work towards this goal over the last few years, so I’m not starting from scratch here. I don’t have a mortgage, I live in a low cost economy, I already only work part-time and my requirements are fewer than most. I’m fairly low maintenance.

You’ll notice I said my goal was. There was a slight spanner in the works that made me rethink my whole plan. In short my father had an accident and the house I assumed I would inherit was about to be taken away by the state to pay for his care.

Obviously I wanted the best for my Dad, but also it made me think hard about how I could still achieve my goal without my share of the house.

Assume the Best (Plan for the Worst)

The problem, though, with planning so far in the future, is that you have to make assumptions. In making assumptions you can often get bitten by one of them. Therefore, I would suggest you also prepare to change those assumptions.

The fixed parts of my plan were as follows:

  1. Amount I am able to invest – more checking down the back of the sofa.
  2. The current date
  3. My current salary
  4. The interest rate offered at this moment in time.
  5. My current age
  6. What age I would like to retire (55 – 60)

My assumptions putting my plan together went something like this:

  1. The interest rate continues at the current rate
  2. I will keep my current part-time income for X number of years
  3. How long I will live after I retire
  4. I will continue to spend at the current rate i.e. costs will be stable
  5. I stay living in a low-cost economy

My biggest problem here is my money will run out if I live too long…almost a good problem to have 🙂

Target Focus

Using a mixture of these assumptions it is possible to calculate a financial target and a deadline to achieve this.

My target must be met by these investments by 2025 in order for me to live after my retirement and until my death.

I will openly admit that this target feels massive and may or may not be attainable.

My initial investment is relatively small. I will have to rely on reinvestment strategies, but believe it is possible.

For this reason I will openly track my progress for all to see as I journey towards a stress free retirement.

If you want to follow my strategies, my progress towards these goals and the ups and downs I encounter along the route – hop on over to the MoneyWorkx tab where I detail my status on a monthly basis.


What is P2P Investment & Who Can Benefit?

The main questions I get asked when talking to people about P2P are: What is P2P Investment, who can benefit from it and which companies should I use… If this is you, read on!

What is P2P Investment?

The name suggests this is essentially a way of cutting out the middle man …

Essentially connecting investors with borrowers.

This may sound like a great idea on the face of it. In practice this is quite a scary concept. You know yourself how friendships can be lost so easily over the lending of money. Therefore, imagine a stranger defaulting on his or her loan. How annoying would that be and how on earth would you choose who to trust.

With peer to peer lending this simple connection has been complicated somewhat by the introduction of loan originators and the P2P lending platforms who connect the investors to them.

Along with this complication though, comes a layer of protection.

Which Peer to Peer Lending Companies?

Before deciding where to invest you need to decide what your goal is. What % return you want to achieve and how long you want to invest your funds for.

Shameless plug here, but if you sign up for my FREE Step-By-Step Guide you will see that I review several of the top players for you to start your research.

Or go to my hidden link here to find out which P2P Platforms I use and what I think of them.

What is the Risk?

What is P2P Investment and who can benefit from it?
Image by Gerd Altmann from Pixabay

As with every type of investment, there is a risk that you won’t get back what you put in. How much risk is involved in P2P is largely down to the choices you make.

In general terms, the higher the % interest gained, the higher the risk.

In all of the investments I have made, and all of the platforms that I provide affiliate links to for you to explore, there is a Buy Back Guarantee offered. This means that if a borrower defaults on their loan then, after a determined period, the money you have invested is returned in full.

This means the interest you have earned to this point is safe and your initial investment is safe, however, you lose the potential future interest and of course some investment time whilst you wait for this to all happen. All in all though, it’s a good thing.

How am I Doing?

I publish the status of my portfolio on a monthly basis at the end of each month as an overview.

If you are interested in seeing my progress check out the links below:

Initial Investment – April 2019

Adding New Platforms – May 2019

Maintenance & Discoveries – June 2019

Prospecting for Growth – July 2019

Fully Funded – August 2019

Earn High Interest Returns with P2P – September 2019