# Your Money Mate | UK Personal Finance & Investing
> UK personal finance made simple. Learn to invest, maximise your ISA, and build long-term wealth with practical guides, smart tools, and beginner-friendly courses
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Append `.md` to any post or page URL to get the content in Markdown (for example, `/example-post.md`).

## Pages
- [About Your Money Mate](https://www.yourmoneymate.co.uk/about.md) - Your Money Mate has been quietly in the background for a long time.
- [Budget Planner App](https://www.yourmoneymate.co.uk/budget-planner-app.md)
- [Budget Planner: Build a Simple Money Plan](https://www.yourmoneymate.co.uk/budget-planner-uk.md) - Take control of your money with a simple, structured approach. Help understand your income, reduce unnecessary spending, and build an emergency fund so you can stop guessing and start making progress.
- [Economic Calendar & Market News](https://www.yourmoneymate.co.uk/economic-calendar.md) - A clean economic calendar and market news dashboard to track key global events, filter high-impact announcements, and stay updated with the latest financial headlines.
- [ETF Screener App](https://www.yourmoneymate.co.uk/etf-screener-app.md)
- [ETF Screener](https://www.yourmoneymate.co.uk/etf-screener.md) - Explore and compare ETFs with our ETF Screener. Analyse fees, fund size, accumulation vs distribution types, and sector exposure before investing.
- [Financial Disclaimer](https://www.yourmoneymate.co.uk/financial-disclaimer.md) - Last Updated | 16th April 2026
- [Free Investing Course](https://www.yourmoneymate.co.uk/free-investing-course.md) - This short course walks you through the fundamentals of investing, what it is, what to do before you start, and how to begin building wealth step by step.
- [Get In Touch](https://www.yourmoneymate.co.uk/get-in-touch.md) - If you’d like to get in touch about media, collaborations, podcasts, or general enquiries, you can use the form below.
- [How to Start Investing in the UK](https://www.yourmoneymate.co.uk/how-to-start-investing-uk.md) - An easy, level-headed introduction to investing for people starting out in the UK, with the perks of tax-free on capital gains.
- [Investment Calculator](https://www.yourmoneymate.co.uk/investment-calculator.md) - Use this UK investment calculator to project portfolio growth, monthly contributions, dividend income, and yield on cost over time
- [Investor Blueprint 1.0 Course](https://www.yourmoneymate.co.uk/investor-blueprint-course.md) - Master the art of wealth building with the Investor Blueprint 1.0 course. Gain the essential knowledge and strategies to start your successful investing journey.
- [Your Money Mate Membership](https://www.yourmoneymate.co.uk/membership.md) - Free access to deep-dive articles, a foundational investing course, and occasional notes on money and wealth.
- [Money Note Newsletter](https://www.yourmoneymate.co.uk/money-note-newsletter.md) - Short, weekly email on investing, wealth, and long-term thinking. No hype. No noise. Just clear ideas. Sent every Tuesday.
- [Overpay Mortgage vs Investing Calculator](https://www.yourmoneymate.co.uk/mortgage-vs-investing-calculator.md) - Compare overpaying your mortgage vs investing. See interest saved, portfolio growth, and which strategy could build more wealth over time.
- [Pension Calculator UK: Estimate Your Retirement Pot & Income](https://www.yourmoneymate.co.uk/pension-calculator.md) - Estimate how your pension could grow over time with this UK pension calculator. See contributions, tax relief, investment growth, and how long your pension may last in retirement.
- [Privacy Policy](https://www.yourmoneymate.co.uk/privacy-policy.md) - Last Updated | 16th April 2026
- [Terms of Use](https://www.yourmoneymate.co.uk/terms-of-use.md) - Last Updated | 16th April 2026
- [Wealth Tracker App](https://www.yourmoneymate.co.uk/wealth-tracker-app.md)
- [Wealth Tracker](https://www.yourmoneymate.co.uk/wealth-tracker.md) - Track your overall wealth and potential wealth growth.

## Posts
- [Why Starting Small is the Only Way to Win at Investing](https://www.yourmoneymate.co.uk/why-starting-small-is-the-only-way-to-win-at-investing.md) - New to investing in the UK? Discover why starting small is the best strategy. Learn how a Stocks and Shares ISA works and if investing in the UK is safe.
- [[VIDEO] Andy Burnham Is Prime Minister: What Could It Mean for Your Finances?](https://www.yourmoneymate.co.uk/andy-burnham-is-prime-minister-what-could-it-mean-for-your-finances.md) - Andy Burnham is the UK’s new Prime Minister but what could his government mean for your taxes, ISA, pension, mortgage and investments? Here is what has changed and what to watch next.
- [Andy Burnham Is Prime Minister What Could It Mean for Your Money?](https://www.yourmoneymate.co.uk/andy-burnham-is-prime-minister-what-could-it-mean-for-your-money.md) - Andy Burnham is now Prime Minister, with a new Cabinet and economic direction starting to take shape. Here’s what has been announced so far, what it could mean for your money, and what UK investors should watch next.
- [Why I’m Looking at Investment Trusts Too](https://www.yourmoneymate.co.uk/why-im-looking-at-investment-trusts-too.md) - ETFs are simple, but investment trusts can add income, active management and specialist exposure. In this members-only video, I compare the two and look at BRWM, JEGI, TMPL and LWDB.
- [The Danger of Building a Portfolio You Don’t Understand](https://www.yourmoneymate.co.uk/the-danger-of-building-a-portfolio-you-dont-understand.md) - Hey Ash, can I copy your portfolio please, I just want to get the gains. I don't have time to research ETFs and Stocks.
- [Should You Invest in Individual Stocks or Just Buy ETFs?](https://www.yourmoneymate.co.uk/should-you-invest-in-individual-stocks-or-just-buy-etfs.md) - This question is backwards. I know, But people often go from Stocks into ETFs. I think we know why. This should be a simple answer, but it's personal.
- [You’re Probably Doing Better Than You Think](https://www.yourmoneymate.co.uk/youre-probably-doing-better-than-you-think.md) - The latest UK savings and ISA data shows why millions are still stuck in cash and why you might already be ahead of the curve.
- [I've Invested & More To Come](https://www.yourmoneymate.co.uk/ive-invested-more-to-come.md) - In this week’s Behind The Portfolio update, I spoke about adding another £750 into the markets as I continue building this portfolio over time, with an added element now...
- [Why I Think Anyone Can Build Wealth But Not Everyone Will](https://www.yourmoneymate.co.uk/why-i-think-anyone-can-build-wealth-but-not-everyone-will.md) - Anyone can build wealth. But not everyone will. Because building wealth isn’t just about money. It’s about knowledge, discipline, time, and making the decision to stop putting your financial future off until tomorrow.
- [Everyone Says A Crash Is Coming… Here’s My Plan](https://www.yourmoneymate.co.uk/everyone-says-a-crash-is-coming-heres-my-plan.md) - Jeremy Grantham was recently on Diary of a CEO talking about crash risk, and it naturally brings back names like Michael Burry from The Big Short. The thing is, if someone warns about crashes for long enough, they’ll probably be right at some point.
- [Starmer Is Gone… But Your ISA Still Isn’t Safe](https://www.yourmoneymate.co.uk/starmer-is-gone-but-your-isa-still-isnt-safe.md) - Ah yes, the 7th PM in 10 years is coming. What a shambles.
- [Interest Rates, Inflation & My Portfolio Plan](https://www.yourmoneymate.co.uk/interest-rates-inflation-my-portfolio-plan.md) - The Bank of England has held interest rates again, inflation is still hanging around, and UK investors are still facing an uncertain market
- [Why I’ve Changed My Portfolio](https://www.yourmoneymate.co.uk/why-ive-changed-my-portfolio.md) - I’ve made a couple of important changes to my portfolio. With over £110,000 now invested in the stock market, I’m aiming to accelerate this hard over the next few years and document the full journey.
- [I Sold This UK Dividend ETF for Something Better](https://www.yourmoneymate.co.uk/i-sold-this-uk-dividend-etf-for-something-better.md) - I’ve changed my dividend portfolio again. This time, I sold a UK dividend ETF, added an investment trust, and bought a new UK stock that most investors probably ignore.
- [The SpaceX IPO: Exciting Opportunity or Peak Market Madness?](https://www.yourmoneymate.co.uk/the-spacex-ipo-exciting-opportunity-or-peak-market-madness.md) - The SpaceX IPO could become one of the biggest market events in history but is it a genuine investment opportunity or peak market hype? In this Money Note, I look at the valuation, the IPO risks, and why many passive investors may end up owning SpaceX whether they choose to or not.
- [Does The Stock Market Bubble Pop?](https://www.yourmoneymate.co.uk/does-the-stock-market-bubble-pop.md) - When Not IF... Because markets do turn, and investors seem to be more confident than they have been in years.
- [Why Everyone Wants Growth When It Has Already Worked](https://www.yourmoneymate.co.uk/why-everyone-wants-growth-when-it-has-already-worked.md) - Everyone loves growth after it has already worked. The S&P 500 has delivered incredible returns over the last 14 years, but that does not mean investors should blindly chase it at peak excitement.
- [Best Global ETF For UK Investors](https://www.yourmoneymate.co.uk/best-global-etf-for-uk-investors.md) - Looking for the best global ETF as a UK investor? Here’s a simple breakdown of VWRP, FWRG and IMID, what they do, how they differ, and why you probably do not need all three.
- [New Stock Added, Pension Update & Why Is Oil Moving](https://www.yourmoneymate.co.uk/new-stock-added-pension-update-why-is-oil-moving.md) - This week has actually been quite important for my portfolio. We’ve had more geopolitical tension with Iran, oil prices moving sharply, I’ve added a new UK dividend stock to my ISA, my pension is finally in.
- [Money Note #08: Average Can Be More Than Enough](https://www.yourmoneymate.co.uk/money-note-08-average-can-be-more-than-enough.md) - You don't need to be a genius to beat the savings rates.
- [Dividend Overview & Stock Hunting](https://www.yourmoneymate.co.uk/behind-the-portfolio-06-dividend-overview-stock-hunting.md) - Platform is getting there, dividend payouts are going to accelerate the next few months and the type of stock I am looking to potentially add.
- [Money Note #07: Euphoria Is Where Investors Make Their Worst Decisions](https://www.yourmoneymate.co.uk/euphoria-is-where-investors-make-their-worst-decisions.md) - Investing always feels easiest when everything is going up.
- [Moving Pension To Vanguard](https://www.yourmoneymate.co.uk/behind-the-portfolio-05-moving-pension-to-vanguard.md) - Why I'm moving back to Vanguard from PensionBee & A look at the new screener with real data within...
- [Money Note #06: This Is Why I Built the ETF Screener](https://www.yourmoneymate.co.uk/money-note-06-this-is-why-i-built-the-etf-screener.md) - Most investors don’t need more ETFs they need a clearer portfolio. This week, I’m sharing why I built the ETF Screener, how overlap can quietly make investing more complicated, and why simple tools can help you understand what you actually own.
- [Real Investments, Real Process](https://www.yourmoneymate.co.uk/behind-the-portfolio-04-real-investments-real-process.md) - A real look inside my investing process (kinda) with live investments, Trading212 walkthroughs, possible new additions, simple technical analysis, and a showcase of the ETF & stock screener tools I’m building.
- [Money Note #05: How I Actually Decide What To Invest In?](https://www.yourmoneymate.co.uk/money-note-05-how-i-actually-decide-what-to-invest-in.md) - After sharing that I invested in an airport in Turkey… a few people asked how I actually make those decisions.
- [The Next Step Investing & Building](https://www.yourmoneymate.co.uk/behind-the-portfolio-03-the-next-step-investing-building.md) - I didn’t invest anything this month and that was intentional. While most people focus on constant investing, sometimes the real progress happens behind the scenes. Here’s what I’ve been building, why I paused, and what’s coming next.
- [Money Note #04 | I Started Investing in an Airport in Turkey…](https://www.yourmoneymate.co.uk/money-note-04-i-started-investing-in-an-airport-in-turkey.md) - Most people think investing starts with knowledge. Mine started in an airport, a random conversation… and a seed that had already been planted.
- [How I Actually Pick Dividend Growth Stocks](https://www.yourmoneymate.co.uk/behind-the-portfolio-02-how-i-actually-pick-dividend-growth-stocks.md) - Most people approach dividend investing the wrong way. They chase high yields, ignore growth, and end up with a portfolio that looks good today… but goes nowhere over time. That’s not how I invest.
- [Money Note #03 | No To Peace Talks](https://www.yourmoneymate.co.uk/money-note-03-no-to-peace-talks.md) - Explore the economic implications behind the rejection of peace talks in our latest Money Note. Gain expert insights into how global conflict affects your wealth.
- [Introduction](https://www.yourmoneymate.co.uk/behind-the-portfolio-01-introduction.md) - A behind-the-scenes investing series sharing real portfolio decisions, thought processes, and long-term strategy without the noise.
- [How Many ETFs Should You Own?](https://www.yourmoneymate.co.uk/how-many-etfs-should-i-own.md) - Most investors think owning more ETFs means better diversification but that’s often wrong. In this guide, we break down how many ETFs you actually need, why ETF overlap is a hidden risk, and how UK investors can build a simple 2–3 ETF portfolio that is truly diversified.
- [The Only ETFs Most UK Investors Actually Need](https://www.yourmoneymate.co.uk/etfs-uk-investors-actually-need.md) - If you focus on time, consistency and compounding, you will outperform most people who jump from ETF to ETF chasing performance.
- [Why I Invest My Money Instead of Saving It (And You Probably Should Too)](https://www.yourmoneymate.co.uk/why-i-invest-instead-of-saving-money.md) - Saving feels safe, but inflation quietly shrinks your money. Here’s why I invest instead of saving to build long-term wealth.
- [How to Pick the Best Dividend Stocks in the UK](https://www.yourmoneymate.co.uk/how-to-pick-the-best-dividend-stocks-uk.md) - Learn how to pick the best dividend stocks in the UK using dividend growth, payout ratios, cash flow analysis and ISA tax efficiency.
- [Should You Buy Dividend Stocks or ETFs? (UK Investor Guide)](https://www.yourmoneymate.co.uk/dividend-stocks-vs-etfs-uk-investor-guide.md) - Should you buy individual dividend stocks or stick with ETFs? Both can build long-term wealth inside a UK Stocks & Shares ISA but they serve different purposes. Dividend stocks offer growing income and more control, while ETFs provide instant diversification and simplicity.
- [10 Investing Lessons I Wish I Knew First](https://www.yourmoneymate.co.uk/investing-lessons-10-years-uk.md) - After 10 years investing across stocks, ETFs and crypto, I’ve learned some hard lessons. These are the 10 investing principles I wish I knew from day one, especially if you’re just getting started.
- [My 2026 Investing Plan for Long-Term Wealth (UK)](https://www.yourmoneymate.co.uk/2026-investing-plan-long-term-wealth-uk.md) - A simple, stress-free investing plan for 2026 built around ISAs, pensions, dividends and long-term compounding designed to grow wealth steadily without hype, panic, or unnecessary risk.
- [The 5 Financial Moves That Matter More Than Any Investment Tip](https://www.yourmoneymate.co.uk/financial-foundations-before-investing.md) - Most people focus on finding better investments, but long-term wealth is built by fixing the foundations first. These five financial moves matter more than any tip, helping you keep more money, reduce stress, and invest with confidence.
- [UK Self Assessment for Side Hustles & Investing (UK Guide)](https://www.yourmoneymate.co.uk/uk-self-assessment-for-side-hustles-investing-uk-guide.md) - This guide explains, in plain English, who needs to file, what’s actually taxable, how capital gains work, and why things like Pay on Account catch so many people out the first time.
- [Income vs Accumulation Funds: How Dividend ETFs Fit Into Long-Term Wealth Building](https://www.yourmoneymate.co.uk/income-vs-accumulation-funds-how-dividend-etfs-fit-into-long-term-wealth-building.md) - This article explains how income funds work, how they differ from accumulation funds, and how long-term investors can use both effectively.
- [The Best ETFs for Long-Term Investing (UK Guide)](https://www.yourmoneymate.co.uk/the-best-etfs-for-long-term-investing-uk-guide.md) - Long-term wealth is rarely built through clever trading or chasing the next hot stock. It’s built through time, consistency, and simple accumulation.
- [The Best Dividend ETFs for Reliable Income (UK Investors)](https://www.yourmoneymate.co.uk/the-best-dividend-etfs-for-reliable-income-uk-investors.md) - If you want reliable income, especially as a UK investor, you need to think very differently about dividend ETFs.

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