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

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 Friday Financial Review That Changed Everything

Every Friday, I do one small thing that makes a big difference: I review my money for 15 minutes.

Here’s what I check:

• My bank balances (to spot anything weird)

• Credit card usage (so it doesn’t sneak up on me)

• Weekly spending (vs my budget)

• Progress toward key goals (savings, debt, investing)

It sounds simple. But doing this consistently:

✅ Keeps me aware
✅ Prevents “where did all my money go?” panic
✅ Helps me course-correct before things spiral

Try this: Block 15 mins on your calendar this Friday. Do a mini money review. It adds up fast.

Growing

Tracking Net Worth Monthly = Financial Clarity

For years, I avoided tracking my net worth. Why? I didn’t want to see the truth.

Now I track it every month. Not to obsess—but to stay aware.

Here’s what I include:

• 💼 Savings & current accounts

• 📈 Investments (S&S ISA, pension, crypto)

• 🏠 Equity in property

• 💳 Debts (credit cards, mortgages, loans)

Why it matters:
Net worth shows the full picture. It’s not about income—it’s about what you keep.

Pro tip: Use a spreadsheet or apps like Emma, Moneyhub or Notion. The trend matters more than the number.

📊 Watching it grow—even slowly—has kept me far more motivated than any spreadsheet budget ever did.

Hands Down Some Of The Best 0% Interest Credit Cards

Pay no interest until nearly 2027 with some of the best hand-picked credit cards this year. They are perfect for anyone looking to pay down their debt, and not add to it!

Click here to see what all of the hype is about.

Learn How To Apply Now

Saving Hacks

The £10 Rule That Crushed My Impulse Spending

Here’s a small trick with a big impact:

That’s it.

It adds just enough friction to pause impulse buys—whether it’s Amazon, a takeaway, or a shiny “deal”.

Why it works:

• 🧠 Delays emotional decisions

• 💸 Saves me £100s a month

• ✅ Builds discipline without feeling restrictive

Even if I do buy it later, I’m buying it with intention. That’s the difference.

Try setting your own limit: £5, £20—whatever works for you. Make impulse spending deliberate, not default.

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

The Comparison Cure: From Jealous to Grateful

I used to scroll Instagram and feel behind, especially when friends bought bigger houses, new cars, or fancy holidays.

Here’s the mental reframe that changed everything:

Now, instead of comparing lifestyles, I compare alignment:

• Am I spending in line with what I value?

• Am I making consistent progress, even if it’s slow?

• Am I designing a life I’ll be proud of in 10 years?

The truth: Most people showing off don’t have a better life. They have more visible stuff.

That’s not wealth. Peace of mind is.

🌱 Try this: Write down 3 things about your financial life that are quietly working. That’s where your real progress lives.

Thanks for reading this week’s Money Growth.

If you found something useful in today’s newsletter, hit reply and tell me what landed most. Your feedback shapes future editions.

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.