Search This Blog
Honest writing on narcissistic relationships, money, and rebuilding — from someone who’s lived through it, not studied it from a distance
Featured
- Get link
- X
- Other Apps
๐ฅ How to Engineer Your Finances So They’re Bulletproof
1. Build the “Hell Yes” Emergency Fund
✅ Goal: 3–6 months of essential expenses
๐ก Keep it in a high-interest instant-access savings account.
This is your “I don’t need to panic” cushion. No dipping unless the sky is falling.
2.
Create a Daily Money System (That Runs Without You)
✅ Automate everything you can:
- Bills
- Savings
- Tax pots
- Debt repayments
๐ก Use multiple bank accounts or budgeting apps (like Monzo, Starling, or Chase UK) to divide your income on autopilot.
3.
Pay Yourself First
Before spending, pay future-you.
- 10–30% into savings or investments
- Even if it’s £10/week, consistency = freedom
๐ก Treat it like a non-negotiable bill.
4.
Separate Hustle from Survival
✅ Have a business account if you’re self-employed.
✅ Separate tax money the minute you get paid.
๐ก Rule of thumb: Put away 25–30% of your freelance income for tax. Avoid surprises.
5.
Slash Leaks & Build Moats
๐ Review your subscriptions, habits, and spending leaks monthly
๐ Build financial “moats”: buffers, recurring income, assets
๐ก Ask yourself: “If I didn’t earn for 2 months, what would protect me?”
6.
Learn the Rules of the Game
๐ธ Know how taxes, pensions, benefits, and interest work.
๐ก Knowledge protects you more than luck ever will.
Free resources:
- MoneySavingExpert (UK)
- GOV.UK calculator tools
- Rich Bitches & Bastards (๐ your upcoming blog/book!)
7.
Invest in Assets, Not Escapes
๐ซ Stop rewarding yourself with things that keep you broke
✅ Start rewarding yourself with assets that pay you back
Examples:
- A stock & shares ISA
- A small online business
- An ebook, YouTube channel, or course
8.
Have a Fuck-It Fund
๐ผ This is separate from your emergency fund.
๐ธ It’s for quitting toxic jobs, leaving bad relationships, or moving house when you’ve had enough.
Even £5 a week into this fund = power.
๐ Bonus: Bulletproof Finances = Bulletproof Confidence
When your finances are tight, your nervous system can relax.
You stop reacting. You start deciding.
That’s when the magic happens.
- Get link
- X
- Other Apps
Popular Posts
How can we effectively manage our finances to save for the future while covering current expenses?
- Get link
- X
- Other Apps
Comments
Post a Comment