What Is an Index Fund and How Does It Work?
Index funds are one of the most important financial innovations of the last 50 years, and most people who own them do not fully understand … Read more
Written by: HRM
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HRM
How to Pay Yourself First and Actually Stick to It
Pay yourself first is one of those pieces of financial advice that sounds simple and is almost universally ignored. The idea is straightforward: before paying … Read more
Written by: HRM
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How to Lower Your Monthly Bills Without Switching Providers
Most people assume lowering their bills means switching providers — cancelling one service, signing up with a competitor, porting a number, dealing with the hassle … Read more
Written by: HRM
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How to Use a Health Savings Account to Cut Costs
The Health Savings Account is the most tax-advantaged account in the US tax code — and the most underutilised. Available only to people enrolled in … Read more
Written by: HRM
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The Problem With Thinking You’ll Start Saving Later
At some point, almost everyone decides they will start taking their finances seriously later. After the next pay rise. Once they have paid off this … Read more
Written by: HRM
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How to Set Up Your First Investment Account
Opening your first investment account is one of the most consequential financial steps available and also one of the most deferred — because the process … Read more
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How to Save Money Fast: Tactics That Move the Needle
Most advice on saving money is built around small daily habits — skip the latte, pack your lunch, use coupons. Those things add up over … Read more
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How to Save Money on Food Without Meal Prepping
Meal prepping is the standard advice for saving money on food. Cook everything on Sunday, eat the same thing five days in a row, repeat … Read more
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How to Avoid Paying Taxes on Investments Legally
Paying less tax on your investments is not a loophole or a trick reserved for the wealthy. It is the predictable result of using the … Read more
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How to Manage Money When Your Income Fluctuates
Variable income — from freelancing, seasonal work, commission-based roles, gig economy work, or any situation where monthly income is not fixed — requires a different … Read more
Written by: HRM
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