{"id":4566,"date":"2019-07-22T06:00:01","date_gmt":"2019-07-22T05:00:01","guid":{"rendered":"http:\/\/davidwithington.com\/?p=4566"},"modified":"2021-03-07T13:18:22","modified_gmt":"2021-03-07T13:18:22","slug":"money-tips-experts","status":"publish","type":"post","link":"https:\/\/davidwithington.com\/money-tips-experts\/","title":{"rendered":"The Best Personal Money Tips Used By The Money Experts"},"content":{"rendered":"<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">What do the Money Gurus do with their own money?<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Do they practice what they preach?<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">What money tips work for them, personally?<\/span><\/p>\n<figure id=\"attachment_4609\" aria-describedby=\"caption-attachment-4609\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/What-money-tips-work-for-them-personally.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-4609\" src=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/What-money-tips-work-for-them-personally.jpg\" alt=\"What money tips work for them personally\" width=\"600\" height=\"392\" srcset=\"https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/What-money-tips-work-for-them-personally.jpg 600w, https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/What-money-tips-work-for-them-personally-300x196.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-4609\" class=\"wp-caption-text\">What money tips work for them personally<\/figcaption><\/figure>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Well, I was wondering that too.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">So I asked a few of my friends in the finance industry.<\/span><\/p>\n<blockquote><p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt; color: #000000;\">What did you ask them, David?<\/span><\/p><\/blockquote>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Here&#8217;s what I asked&#8230;<\/span><\/p>\n<h2 style=\"text-align: center;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 18pt;\">&#8220;What&#8217;s a brilliant but unusual money tip which has worked extremely well for you personally?&#8221;<\/span><\/h2>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">I think you&#8217;ll love the money experts&#8217; answers.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">They&#8217;re&#8230;<\/span><\/p>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Practical<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Warm<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Helpful<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Human<\/span><\/li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Realistic<\/span><\/li>\n<\/ul>\n<p><a href=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Brilliant-Money-Tip.jpg\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-4601\" src=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Brilliant-Money-Tip.jpg\" alt=\"Brilliant Money Tip\" width=\"1000\" height=\"594\" srcset=\"https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Brilliant-Money-Tip.jpg 1000w, https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Brilliant-Money-Tip-300x178.jpg 300w, https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Brilliant-Money-Tip-768x456.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/a><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\"><br \/>\nSo, simply ordered in the way the answers arrived, I present&#8230;<\/span><\/p>\n<h2><span style=\"font-family: arial, helvetica, sans-serif; font-size: 18pt;\">Personal Money Tips Used by the Money Experts<\/span><\/h2>\n<p><a href=\"#martinbamford\" rel=\"\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Martin Bamford<\/span><\/a><br \/>\n<a href=\"#alansteel\" rel=\"\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Alan Steel<\/span><\/a><br \/>\n<a href=\"#petematthew\" rel=\"\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Pete Matthew<\/span><\/a><br \/>\n<a href=\"#raminnakisa\" rel=\"\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Ramin Nakisa<\/span><\/a><br \/>\n<a href=\"#joyoliveros\" rel=\"\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Joy Sicilia Oliveros<\/span><\/a><br \/>\n<a href=\"#rogeredwards\" rel=\"\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Roger Edwards<\/span><\/a><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-4606\" src=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Money-Tips.png\" alt=\"Money-Tips\" width=\"400\" height=\"266\" srcset=\"https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Money-Tips.png 600w, https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Money-Tips-300x200.png 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><a name=\"martinbamford\"><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-size: 24pt; font-family: arial, helvetica, sans-serif;\">Martin Bamford<br \/>\n<span style=\"font-size: 18pt;\">Chartered Financial Planner, Author and Podcaster<\/span><\/span><\/h2>\n<figure id=\"attachment_4591\" aria-describedby=\"caption-attachment-4591\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Martin-Bamford.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4591\" src=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Martin-Bamford.jpg\" alt=\"Martin Bamford\" width=\"600\" height=\"600\" srcset=\"https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Martin-Bamford.jpg 600w, https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Martin-Bamford-150x150.jpg 150w, https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Martin-Bamford-300x300.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-4591\" class=\"wp-caption-text\">Martin Bamford<\/figcaption><\/figure>\n<h3><span style=\"font-size: 18pt; font-family: arial, helvetica, sans-serif;\">The Secret of Low-Cost Heating<\/span><\/h3>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">We had a wood-burning stove installed in our living room nearly a decade ago. <\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">Living in a fairly rural area, I always look out for felled trees so I can stock my log store for free, and dramatically reduce the cost of heating our home. <\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">A couple of years ago, our next-door neighbours had two huge oak trees cut down in their garden. <\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">I asked the tree surgeons to roughly cut the trunks into piles in our garden. <\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">For the next two months, I split the wood and stacked it to dry, as well as giving away about half of it to family and friends. <\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">It\u2019s resulted in about five years of fuel for our stove, which slashes our gas bill by two-thirds over the winter months and saves us a small fortune. <\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">Ever since, my wife tells me off each time I eye up felled trees in the village, as she\u2019s keen to have some of her garden back before I restock!<\/span><\/p>\n<p class=\"western\" style=\"padding-left: 40px;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt;\"><span style=\"color: #000000;\"><strong>Martin&#8217;s Bio<\/strong>: Martin Bamford is a Chartered Financial Planner, Fellow of the Personal Finance Society, and personal finance author. As host of the Informed Choice Radio podcast, he has interviewed hundreds of personal finance experts to learn their best money secrets. When not running his award-winning firm of Chartered Financial Planners or growing his digital media agency, Martin swims long distances in lakes and rivers across the country. You can connect with him on Twitter <a href=\"https:\/\/twitter.com\/martinbamford\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">@martinbamford<\/a> and hear his podcast at <a href=\"http:\/\/icradio.co.uk\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">icradio.co.uk<\/a>.\u00a0 <a name=\"alansteel\"><\/a><\/span><\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-family: arial, helvetica, sans-serif; font-size: 24pt;\">Alan Steel<br \/>\n<span style=\"font-size: 18pt;\">Asset Management Specialist<\/span><br \/>\n<\/span><\/h2>\n<figure id=\"attachment_4573\" aria-describedby=\"caption-attachment-4573\" style=\"width: 360px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Alan-Steel.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4573\" src=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Alan-Steel.jpg\" alt=\"Alan Steel\" width=\"360\" height=\"210\" srcset=\"https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Alan-Steel.jpg 360w, https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Alan-Steel-300x175.jpg 300w\" sizes=\"(max-width: 360px) 100vw, 360px\" \/><\/a><figcaption id=\"caption-attachment-4573\" class=\"wp-caption-text\">Alan Steel<\/figcaption><\/figure>\n<h3><span style=\"font-size: 18pt; font-family: arial, helvetica, sans-serif;\">&#8217;72&#8217; is the Key to Wealth<\/span><\/h3>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Over the 46 years since I became an IFA, nothing has changed my clients\u2019 lives more than teaching them \u201cThe Rule of 72\u201d.<\/span><\/p>\n<blockquote><p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">The Rule of 72<\/span><\/p><\/blockquote>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Most people don\u2019t understand money, but this basic rule is a eureka moment. <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Put simply, I\u2019ll ask what return after tax they\u2019re getting on savings. <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Answer ..1% pa. <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Divide 1 into 72? <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Answer 72. <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">That\u2019s how long it will take to double their money. <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">0.1%? That\u2019s 720 yrs. <\/span><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Best of luck. <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">If they can get 12% pa, it takes only 6 years. <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">The rest of our conversation goes from there. <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">It changes lives! Believe me! <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">And you CAN try this at home.<\/span><\/p>\n<p class=\"western\" style=\"padding-left: 40px;\"><span style=\"color: #101010; font-family: arial, helvetica, sans-serif; font-size: 12pt;\"><strong>Alan&#8217;s Bio<\/strong>: <\/span><span style=\"color: #101010; font-family: arial, helvetica, sans-serif; font-size: 12pt;\">Since January 1973 Alan has been practising and studying the secrets of how real wealth is created. He&#8217;s built a highly qualified team, written countless articles, appeared on radio, television, in national media, and is widely known as a leader in his field. You can connect with Alan on his website <a href=\"https:\/\/www.alansteel.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">alansteel.com<\/a> and on Twitter at <a href=\"https:\/\/twitter.com\/asibiza1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">asibiza1<\/a>.\u00a0 \u00a0 <a name=\"petematthew\"><\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-family: arial, helvetica, sans-serif; font-size: 24pt;\">Pete Matthew<br \/>\n<span style=\"font-size: 18pt;\">Chartered Financial Planner, Author and Podcaster<\/span><br \/>\n<\/span><\/h2>\n<figure id=\"attachment_4593\" aria-describedby=\"caption-attachment-4593\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Pete-Matthew.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4593\" src=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Pete-Matthew.jpg\" alt=\"Pete Matthew\" width=\"600\" height=\"399\" srcset=\"https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Pete-Matthew.jpg 600w, https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Pete-Matthew-300x200.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-4593\" class=\"wp-caption-text\">Pete Matthew<\/figcaption><\/figure>\n<h3><span style=\"font-size: 18pt; font-family: arial, helvetica, sans-serif;\">Having Two Current Accounts Simplifies Life<\/span><\/h3>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">One of those obvious-when-you-know-it things that transformed my finances early on was the idea of having two current accounts, one for bills and one for spending. <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">The idea is simple. You get paid into your bills account. <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">You then add up all the regular bills that will come out by direct debit or that you&#8217;ll need to pay over the course of the month or however long till you get paid next. <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Add to this the amount of any regular savings you are making. <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Add all this up and leave that amount in the bills account. <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Chances are that amount won&#8217;t change much from one month to the next.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Whatever is in excess of the amount you&#8217;ve put aside for bills and saving, you physically move to your spending account. <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">It&#8217;s from this account that you pay for the variable bills like food, fuel, entertainment etc. It&#8217;s this account that you budget carefully, making sure you stay within your means.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">This has the benefit of making sure your bills are paid on time and means you only have to think about them once at the start of the month. it also reduces the list of things you need to actively budget for day to day.\u00a0<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">You know that the amount you have in your spending account is the actual amount you have available to spend till next payday. <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Simple\u00a0and effective.<\/span><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt;\"><strong>Pete&#8217;s Bio<\/strong>: Pete Matthew is a 21-year veteran Chartered Financial Planner and creator of the UK&#8217;s leading personal finance podcast, Meaningful Money. The weekly show has been downloaded nearly three million times and has spawned a book, The Meaningful Money Handbook, released in 2018. You can connect with Pete at <a href=\"https:\/\/twitter.com\/@meaningfulmoney\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">@meaningfulmoney<\/a>\u00a0on Twitter or on his website <a href=\"https:\/\/meaningfulmoney.tv\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Meaningful Money<\/a>.\u00a0 \u00a0 \u00a0<a name=\"raminnakisa\"><\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-family: arial, helvetica, sans-serif; font-size: 24pt;\">Ramin Nakisa<br \/>\n<span style=\"font-size: 18pt;\">Finance &amp; Investment Strategist and Author<\/span><\/span><\/h2>\n<figure id=\"attachment_4587\" aria-describedby=\"caption-attachment-4587\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Ramin-Nakisa.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4587\" src=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Ramin-Nakisa.jpg\" alt=\"Ramin Nakisa\" width=\"600\" height=\"641\" srcset=\"https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Ramin-Nakisa.jpg 600w, https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Ramin-Nakisa-281x300.jpg 281w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-4587\" class=\"wp-caption-text\">Ramin Nakisa<\/figcaption><\/figure>\n<h3><span style=\"font-family: arial, helvetica, sans-serif; font-size: 18pt;\">Laziness is a Virtue for Investors<\/span><\/h3>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">My best trade in my Stocks &amp; Shares ISA was&#8230; not to trade. <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Just before the Brexit Referendum, the accepted wisdom was that it would be rejected and sterling would rally. <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">I had lots of money in foreign funds so I was planning to sell these and move the money back into sterling funds. <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">I didn&#8217;t get around to it, the vote was for leave, sterling tanked and I made an instant gain on my foreign denominated funds! <\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Laziness is a virtue for investors, it&#8217;s usually best not to tinker with your portfolio.<\/span><\/p>\n<blockquote><p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Laziness is a virtue for investors.<\/span><\/p><\/blockquote>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>Ramin&#8217;s Bio<\/strong>: Ramin founded PensionCraft in 2017 to help people become better investors by providing free educational investment videos on YouTube, courses on his website and an online community, funded via Patreon. Previously he worked in investment banking from 2001 to 2016 as a global asset allocation strategist, writing research and advising pension funds, hedge funds and insurance companies. Before becoming a strategist Ramin spent two years teaching finance in an investment bank, which he loved, and this helped him to learn how to explain finance in a non-mathematical way. Ramin has written two books about finance and investment: \u201cA Financial Bestiary\u201d which is meant for professional investors (fund managers and investment bank employees) and &#8220;Invest in Fear&#8221; which explains how to buy and sell volatility using exchange traded products. He has a degree and a doctorate in Physics and tutors A-Level Physics &amp; Maths and GCSE Science &amp; Maths in his spare time. You can watch Ramin&#8217;s videos on his <a href=\"https:\/\/www.youtube.com\/channel\/UC9OIwUcx-Uss7xj7s1P5XGw\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">YouTube channel<\/a> and connect with him on his website, <a href=\"https:\/\/pensioncraft.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">PensionCraft.com<\/a>.\u00a0 \u00a0 <a name=\"joyoliveros\"><\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-size: 24pt; font-family: arial, helvetica, sans-serif;\">Joy Sicilia Oliveros<br \/>\n<span style=\"font-size: 18pt; font-family: arial, helvetica, sans-serif;\">Certified Accountant<\/span><br \/>\n<\/span><\/h2>\n<figure id=\"attachment_4615\" aria-describedby=\"caption-attachment-4615\" style=\"width: 480px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Joy-Oliveros.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4615\" src=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Joy-Oliveros.jpg\" alt=\"Joy Sicilia Oliveros\" width=\"480\" height=\"640\" srcset=\"https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Joy-Oliveros.jpg 480w, https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Joy-Oliveros-225x300.jpg 225w\" sizes=\"(max-width: 480px) 100vw, 480px\" \/><\/a><figcaption id=\"caption-attachment-4615\" class=\"wp-caption-text\">Joy Sicilia Oliveros<\/figcaption><\/figure>\n<h3><span style=\"font-size: 18pt; font-family: arial, helvetica, sans-serif;\">Learn From Your Actual Financial Activity<\/span><\/h3>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">My key advice on all things financial, be that personal or business, is to budget and learn from your actual financial activity.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">By budgeting ALL income and ALL expense you ensure that you can afford what you&#8217;re planning to spend, and can make the necessary cutbacks where that isn\u2019t the case. <\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">Sometimes, seeing your actual spending accumulated over a month can be an eye-opener (eg \u00a33 coffee per day, amounts to \u00a363 per month).<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">The real key is to learn from your actual financial activity. <\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">If your budget says \u00a3100 food shop per week and you regularly spend \u00a3150 then you need to either adjust your budget to reflect that or cut back on spends.<\/span><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-size: 12pt; font-family: arial, helvetica, sans-serif;\"><strong>Joy&#8217;s Bio<\/strong>: Joy has been a Certified Accountant since 2010, having worked for PWC for 7 years, across various industries for 5 years, before setting up her own accounting practices, assisting sole traders and small companies with their accounting and taxation requirements. You can connect with Joy on her <a href=\"https:\/\/www.facebook.com\/JSOAccounting\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Facebook Page, JSO Accounting<\/a>.\u00a0 \u00a0 <a name=\"rogeredwards\"><\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-size: 24pt; font-family: arial, helvetica, sans-serif;\">Roger Edwards<br \/>\n<span style=\"font-size: 18pt; font-family: arial, helvetica, sans-serif;\">Marketing Professional<br \/>\n<span style=\"font-size: 14pt;\">Formerly M<span style=\"font-family: arial, helvetica, sans-serif;\">arketing Director of Several UK Financial Services Brands<\/span><\/span><\/span><br \/>\n<\/span><\/h2>\n<figure id=\"attachment_4616\" aria-describedby=\"caption-attachment-4616\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Roger-Edwards.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4616\" src=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Roger-Edwards.jpg\" alt=\"Roger Edwards\" width=\"600\" height=\"400\" srcset=\"https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Roger-Edwards.jpg 600w, https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Roger-Edwards-300x200.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-4616\" class=\"wp-caption-text\">Roger Edwards<\/figcaption><\/figure>\n<h3><span style=\"font-size: 18pt; font-family: arial, helvetica, sans-serif;\">From Piggy Bank to \u00a3100 Glass Jar<\/span><\/h3>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">This staggeringly simple money tip dates back to my Grandpa buying me a piggy bank when I was a child. <\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">Every day I dump whatever change I have in my pockets (anything smaller than a pound coin) into a big glass jar. <\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">Then every 3 months I take the jar to Tesco and tip all the coins into the clever machine that counts it all up and gives you a voucher. <\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">Usually I end up with up to a \u00a3100 a time. <\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">Plus there\u2019s something satisfying about that torrent of coins cascading into the machine.<\/span><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-size: 12pt; font-family: arial, helvetica, sans-serif;\"><strong>Roger&#8217;s Bio<\/strong>: An experienced marketing professional helping businesses with their marketing strategy, content, and social media, Roger clocked up many years in the \u2018big corporate\u2019 world as marketing director of several UK financial services brands before getting out of all that and starting his own consultancy. You can connect with Roger on <a href=\"https:\/\/twitter.com\/Roger_Edwards\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Twitter at @Roger_Edwards<\/a>.<\/span><\/p>\n<p><a href=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Piggy-Banks.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4622\" src=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Piggy-Banks.jpg\" alt=\"Piggy Banks\" width=\"600\" height=\"653\" srcset=\"https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Piggy-Banks.jpg 600w, https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Piggy-Banks-276x300.jpg 276w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-family: arial, helvetica, sans-serif; font-size: 18pt;\">What About You, David?<\/span><\/h3>\n<blockquote><p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt; color: #000000;\">So what about you, David?<\/span><\/p><\/blockquote>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">That&#8217;s what my friend and mentor, Chris Marr of The Content Marketing Academy, said when he read this blog post.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">&#8220;Where&#8217;s <em>your<\/em> money tip?&#8221;<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">&#8220;Well, I&#8217;m not a financial expert.&#8221;<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">&#8220;Yes, but you do have a lot of experience to offer.&#8221;<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">So I thought about it &#8211; and here it is.<\/span><\/p>\n<h3><span style=\"font-family: arial, helvetica, sans-serif; font-size: 18pt;\">Me And The FIRETU Movement<\/span><\/h3>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">You&#8217;ve probably heard about the FIRE Movement.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">It stands for <em>Financial Independence, Retire Early<\/em>.\u00a0<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Well&#8230; I suppose I belong to the FIRETU Movement.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">What&#8217;s that, David?<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">It&#8217;s <em>Financial Independence, Retire Earlier Than Usual<\/em>.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Yes, I took early retirement at age 57.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">How did you do that, David?<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">Two secrets:<\/span><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">I began saving into a pension at age 18. Every time I got a pay rise, I increased my pension contribution very slightly, taking advantage of the power of compounding. My pension pots carried on growing whilst I slept.<\/span><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">We always spent less than we earned. Of course, we had to spend &#8211; do you realise how much it costs to raise children! And we made sure we had a happy Christmas, annual holidays, and so on. But the little things all added up: whilst friends and colleagues were buying lunch and speciality coffee in the staff restaurant, I was making my own healthy lunch and brewing cups of tea. We never allowed ourselves to get into debt (except of course for taking out a mortgage).<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">And at age 57, I was able to retire from employment to do what I love.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">It was so exciting, <a href=\"http:\/\/davidwithington.com\/speaking\/\" rel=\"\">I even did a talk about it<\/a>!\u00a0<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">And here&#8217;s a more recent blog post I wrote: <a href=\"https:\/\/davidwithington.com\/fire-tu-movement\/\" rel=\"\">David&#8217;s Guide to FIRETU<\/a>.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">I&#8217;m busier now than I ever was. But I enjoy every single day!<\/span><\/p>\n<figure id=\"attachment_4648\" aria-describedby=\"caption-attachment-4648\" style=\"width: 700px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Early-Retirement.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4648\" src=\"http:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Early-Retirement.jpg\" alt=\"Enjoying Life in Early Retirement\" width=\"700\" height=\"445\" srcset=\"https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Early-Retirement.jpg 700w, https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Early-Retirement-300x191.jpg 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/a><figcaption id=\"caption-attachment-4648\" class=\"wp-caption-text\">Enjoying Life in Early Retirement<\/figcaption><\/figure>\n<h2><span style=\"font-size: 24pt; font-family: arial, helvetica, sans-serif;\">Thank You<\/span><\/h2>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">I&#8217;d like to say a huge thank you to all these wonderful people who found time out of their busy schedules to answer my question.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">I knew they were all busy people, so I was incredibly grateful and thrilled when the replies began to come in.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">I&#8217;ve gained from the personal stories and insights.\u00a0<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">And I&#8217;ve discovered that there&#8217;s so more to learn about money.\u00a0<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">What better place than from the professionals.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">Have another read. And why not reach out to these money experts to say thank you, and follow them on social media.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">Thanks again, Martin, Alan, Pete, Ramin, Joy and Roger.<\/span><\/p>\n<span class='bctt-click-to-tweet'><span class='bctt-ctt-text'><a href='https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fdavidwithington.com%2Fmoney-tips-experts%2F&#038;text=Here%27s%20what%206%20financial%20experts%20said%20when%20asked...%20What%E2%80%99s%20a%20brilliant%20but%20unusual%20money%20tip%20which%20has%20worked%20extremely%20well%20for%20you%20personally%3F%20%23money%20%23Finance%20%23financialadvisor%20%23invest%20%23investing&#038;via=thabacus&#038;related=thabacus' target='_blank'rel=\"noopener noreferrer\">Here&#039;s what 6 financial experts said when asked... What\u2019s a brilliant but unusual money tip which has worked extremely well for you personally? #money #Finance #financialadvisor #invest #investing <\/a><\/span><a href='https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fdavidwithington.com%2Fmoney-tips-experts%2F&#038;text=Here%27s%20what%206%20financial%20experts%20said%20when%20asked...%20What%E2%80%99s%20a%20brilliant%20but%20unusual%20money%20tip%20which%20has%20worked%20extremely%20well%20for%20you%20personally%3F%20%23money%20%23Finance%20%23financialadvisor%20%23invest%20%23investing&#038;via=thabacus&#038;related=thabacus' target='_blank' class='bctt-ctt-btn'rel=\"noopener noreferrer\">Click To Tweet<\/a><\/span>\n<h2><span style=\"font-size: 24pt; font-family: arial, helvetica, sans-serif;\">Over To You<\/span><\/h2>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">What\u2019s a brilliant but unusual money tip which has worked extremely well for <strong>you<\/strong> personally?<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">Share it with us in the comments box below.<\/span><\/p>\n<h2><span style=\"font-size: 24pt; font-family: arial, helvetica, sans-serif;\">More Like This<\/span><\/h2>\n<p><span style=\"font-size: 14pt; font-family: arial, helvetica, sans-serif;\">Here&#8217;s a similar article from when I asked <a href=\"http:\/\/davidwithington.com\/habits-successful-church-leaders\/\" rel=\"\">six successful church leaders about their success habits<\/a>.<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What do the Money Gurus do with their own money? Do they practice what they preach? What money tips work for them, personally? Well, I was wondering that too. So I asked a few of my friends in the finance industry. What did you ask them, David? Here&#8217;s what I asked&#8230; &#8220;What&#8217;s a brilliant but [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4622,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[206,99,3,289],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Personal Money Tips Used By The Money Experts - David Withington<\/title>\n<meta name=\"description\" content=\"Here&#039;s what 6 money experts said when I asked them: &quot;What&#039;s a brilliant but unusual money tip which has worked extremely well for you personally?&quot;.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/davidwithington.com\/money-tips-experts\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best Personal Money Tips Used By The Money Experts - David Withington\" \/>\n<meta property=\"og:description\" content=\"Here&#039;s what 6 money experts said when I asked them: &quot;What&#039;s a brilliant but unusual money tip which has worked extremely well for you personally?&quot;.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/davidwithington.com\/money-tips-experts\/\" \/>\n<meta property=\"og:site_name\" content=\"David Withington\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/david.withington\" \/>\n<meta property=\"article:published_time\" content=\"2019-07-22T05:00:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-03-07T13:18:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/davidwithington.com\/wp-content\/uploads\/2019\/07\/Piggy-Banks.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"653\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"David\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Thabacus\" \/>\n<meta name=\"twitter:site\" content=\"@Thabacus\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"David\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/davidwithington.com\/money-tips-experts\/\",\"url\":\"https:\/\/davidwithington.com\/money-tips-experts\/\",\"name\":\"The Best Personal Money Tips Used By The Money Experts - 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