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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 separate “essential vs noise” in my spending
✅ Why I now use the 4-bucket investing framework
✅ A clever automation trick that made me save more
✅ 3 high-leverage side hustles for the time-poor
✅ A simple rule to protect your self-worth when money feels tight

Let’s get into it.

💸 Money Basics

The “Hierarchy of Spending” That Changed How I Budget

Most budgets fail because they treat all spending as equal. But not all expenses deserve the same emotional weight.

Here’s how I now rank spending into 4 levels:

1. Survival – housing, food, utilities

2. Stability – debt payments, savings, insurance

3. Joy – things that genuinely make life better (kids’ hobbies, quality meals, occasional splurge)

4. Noise – mindless takeaways, unused subscriptions, TikTok buys

Now, every time I spend, I ask:

I don’t beat myself up over every £4 coffee. But this hierarchy forces clarity. Try doing a 7-day spend review using these 4 categories. You’ll instantly spot what’s dragging your budget down.

📈 Growing

The “4 Bucket” Investment Framework I Wish I Used Sooner

I used to invest randomly—ISA here, crypto there, maybe my pension—but no overall plan. Now I use this 4-bucket system to give my money purpose:

1. Safety Bucket
   Emergency fund. 3–6 months of expenses. No risk. High-access.
   ➡ Ideal: Premium bonds or easy-access savings

2. Stability Bucket
   Long-term, slow-growth, low-cost.
   ➡ Ideal: S&S ISA, index funds, pension

3. Growth Bucket
   Medium-term bets with upside.
   ➡ Ideal: Sector ETFs, REITs, crowdfunded property

4. Speculation Bucket
   High-risk, high-reward. Small %.
   ➡ Ideal: Crypto, angel investing, startup equity

🛠 Try this:
Look at your investments and roughly map them to these 4 buckets. Are you overexposed to risk? Too conservative? This approach helped me rebalance without panic.

Pro tip: Automate monthly contributions to your Stability Bucket. It’s the quiet engine of wealth.

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💡 Saving Hacks

How I Used a "Zero-Day Rule" to Build a Habit Without Budgeting

Instead of cutting spending with spreadsheets, I now use a daily rule:

Here’s how I do it:

• I choose one “zero day” each week (usually Monday or Wednesday)

• No takeaways, no Amazon, no digital purchases unless planned

• I mark it off on a calendar for visual motivation

• I track what I wanted to buy, but didn’t, and total it monthly

Benefits:

✅ Stops mindless weekday spending
✅ Builds awareness without guilt
✅ Feels like a game, not a punishment

📊 In May alone, this saved me £173. Try it for 4 weeks and calculate your total “temptation savings.”

🚀 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

Your Self-Worth ≠ Your Net Worth

There were months I felt “behind” because I hadn’t hit certain money milestones. But the truth?

Your financial position is just a snapshot. Not your story.

Here’s the mindset that helped me stop beating myself up:

Instead of tying self-worth to savings or income, I now ask:

• Am I doing the work?

• Am I learning from mistakes?

• Am I moving, even slowly, in the right direction?

🌱 Try this 2-minute reset:
Write a quick “Money Progress Log.” One sentence for:

1. Something you learned

2. A smart move you made

3. What you’re proud of from the last 30 days

This reframes your brain to focus on growth—not gaps.

Thanks for reading this week’s Money Growth.

This newsletter is written by someone in the thick of it, raising kids, working full-time, learning about money one system at a time. No lectures. Just experiments that work.

📬 Hit reply and let me know which section helped you most.
📈 Want to go deeper, get templates, and unlock bonus content? Go Premium.

Until next time—automate something, cut the noise, and take one small step toward financial peace.

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.