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Welcome back to the Money Growth newsletter—I'm really glad you're here.

Each week, I share real, practical strategies I’m using to grow my wealth who’s learning this all by doing. No jargon. No hype. Just honest, tested steps toward financial freedom.

We focus on five key areas that I believe build long-term money confidence:
💸 Money Basics | 📈 Growing | 💡 Saving Hacks | 🚀 Side Hustles | 🧠 Mindset

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Welcome back to Money Growth. The no-hype, no-jargon newsletter for building long-term wealth with real systems that work (even when you're not watching them).

🔑 What You’ll Learn This Week:

✅ How I use “zero-based budgeting” to get clarity and control
✅ Why I now invest more in time than in stuff
✅ A dead-simple savings trick I stole from behavioural science
✅ Three micro-hustles I’m testing right now (low effort, fast ROI)
✅ The mental shift that finally helped me feel “rich enough”

Let’s get into it.

Money Basics

The Power of Zero-Based Budgeting

This isn’t sexy, but it changed everything for me.

Instead of guessing how much I’ll spend each month, I now assign every single pound a job before it hits my account.

It’s called zero-based budgeting. And it’s the opposite of “spend, then save what’s left.”

Here's how it works:

1. Start with income (after tax)

2. List out your priorities first (e.g. savings, debt payments, investment pots)

3. Then allocate the rest intentionally to fixed and variable expenses

4. The goal? Every pound is assigned. Nothing is “extra.”

💡 Example: If I earn £3,000 net, I might do:

• £500 to savings/investments

• £1,100 to rent/mortgage

• £400 bills

• £200 food

• £100 personal

• £100 buffer

• £600 to side income growth, family goals, or specific categories

Every month starts at £0. That control gives me freedom.

Growing

I Stopped Buying Stuff and Started Buying Back My Time

I realised: most of the things I spent money on weren’t actually making me richer, they were just distractions.

Now, my strategy is simple:

Here’s how that looks:

• I pay extra for delivery or meal prep, to reclaim hours I can use elsewhere

• I say no to shiny gadgets, yes to financial coaching or estate planning

• I automate my investing, because manual decisions = mental clutter

• I hired help with admin work, so I can focus on higher-return tasks

📌 Every pound I don’t waste on “stuff” becomes a pound I can use to buy time, reduce stress, or grow faster.

That’s wealth.

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Saving Hacks

The “Yes Jar” That Helped Me Actually Want to Save

This one’s weird, but it works.

I got tired of saying “no” to everything fun in order to save money. It felt like punishment.

So I flipped it.

Now I use a “Yes Jar”, a pot of money (even just £20–£50/month) for guilt-free spending. Here’s why it works:

• It creates a reward loop for frugal behaviour

• It reminds me that money = options, not just rules

• It lets me say “yes” to small joys on purpose, not by accident

🧠 Behavioural science backs this up, if saving always feels like a sacrifice, you’ll give up. But if you mix in some freedom, you stick with it longer.

Want to save more? Paradoxically, let yourself spend some, just with intention.

Side Hustles

10 Realistic Ways to Earn More (With a Simple Starting Point)

Building a side income doesn’t require quitting your job or becoming an influencer.

Sometimes, the smartest strategy is adding a quiet, reliable stream of income that fits around your life and compounds over time.

Here are 10 practical side hustles, why they work, how much they can earn, and how to get started:

🧠 A Few Tips Before You Dive In:

• Start with your skills. What do people already ask you for help with?

• Don’t overbuild. Launch quickly and improve later.

• Track the numbers. Even £200/month can become your emergency fund, investment pot, or holiday fund.

• Stack it with purpose. Every side hustle should either buy you time or build you leverage.

Mindset

I Don’t Need to Be Rich. I Just Need to Feel Rich Enough.

This one hit me hard recently.

I was chasing more, more savings, more income, more progress. But it never felt like enough.

Then I asked myself:

That changed everything.

Here's what “rich enough” looks like for me now:

• No anxiety when an unexpected bill hits

• Time to spend with family without checking Slack

• A plan for the future that doesn’t depend on luck

• Confidence in how I spend, because I know it’s aligned with what matters

You can be a millionaire and feel poor. Or earn £40K and feel rich, because you’re in control.

So my new rule is simple: When I feel restless, I don’t upgrade my goals. I upgrade my perspective.

Try that this week.

Thanks for reading this week’s Money Growth.

This one was about building a life with margin, not just money. That’s the real goal: more time, more space, more peace.

✅ Forward this to someone who’s craving calm, not chaos
✅ Take one small action this week, a jar, a gig, a shift in focus

Thanks for reading

Disclaimer:
This newsletter is for educational and informational purposes only. I’m sharing my personal journey, not offering financial advice. Always do your own research and speak to a qualified financial advisor before making investment decisions or taking financial action.