This book is a practical guide for people living in the UK who want to keep more of their current income without living on the bread line. It addresses your feelings about money and aims to help you set and manage simple longer term financial plans without a business degree or loads of spare time to sit in front of a spreadsheet.

The collection of strategies contained in these few short pages will assist you in maximizing your income, minimizing waste in your expenditure, and putting other people’s money to work for you.

It is not a get rich quick book or a guide to investments, nor is it a copy and paste job from a few hours of Google searching. It’s a set of methods that I’ve personally developed over many years to make the best out of what I have without penny pinching, or working myself into the ground (too much!!).

In this book, personal finances are addressed through four distinct areas; income, expenditure, debt, and savings, each one containing examples of how you could structure your bank accounts and management systems to get the most out of your time and your money. It provides you with some simple ways to make a bit of extra cash on the side as well as save money or get cash back on what you spend already. It will provide you with some ideas to get away from expensive debt and how you can use cheap debt to actually make money.

I wrote this book because I want to help normal people living in the UK keep more of their hard earned money in their pockets. What you chose to do with it after that is your business. I just hate to see so much of it thrown away on expensive debts, unnecessary taxes, or poorly managed mortgage and investment products.

Remember; it’s not so much the money that you get that matters - it’s the money that you keep!!

If any of the advice contained within this book helps you to feel better about your financial situation, and is able to take away some of the fear that you may have around managing your money, I will be a very happy bunny!