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December 8, 2022

Mince pies and money media

Whether you’re after Christmas gift ideas, or need pointers for good money media to tide you over the holidays we thought we’d offer our picks.

September 13, 2022

Staring crisis in the face

he news in this last week has been tough to take. The huge increases in energy costs, and how the extra load may impact us, is acutely worrying. And unfortunately, there’s no immediate relief.

Money Means Limited is registered in England & Wales No. 13269972. Registered office: Suite B Gloverside, 23-25 Bury Mead Road, Hitchin, Herts, United Kingdom, SG5 1RT. Money Means Ltd is an Appointed Representative of Smith and Wardle Financial Planning (FCA No. 912090), which is authorised and regulated by the Financial Conduct Authority. Money Means Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference number 976675.

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Chanelle – Money Means time and space to find happiness

My journey to Money Means

My path here’s a bit unconventional. But maybe convention has changed …

I didn’t enjoy school. I was good in a school that expected great. I was barely into my teens when I watched my friend get thrown out for “underperformance” and I suspected I was next.

Rather than wait for the inevitable, 13-year-old me made a pitch …

Home school. It was easy enough to sell mum on the concept – she knew I could handle it – but then mum wasn’t the dealmaker …

My dad’s a financial adviser and a massive inspiration to me. We’ve always had a bond but it still took three attempts, two pub dinners and an actual PowerPoint presentation before he finally bought-in to the idea of home school. When he did it was indescribably liberating.

Cue a couple of years of me on my own in my books; head down and racing through the syllabus. I loved it and was even ready for GSCEs ahead of time.

Age 15 I sat eight of them. I got some As, mostly Bs and a couple of Cs. What now?

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Helena – Money Means Freedom

My journey to Money Means

I learned early in life that money means choice. At ten years old I tagged along with my older brother (I’m one of four) on his Saturday job delivering leaflets. In my native South Africa back then the effort was worth a cool 10 Rand … roughly five pence. I could do whatever I wanted with it. Being ten I obviously spent some on sweets, but the rest I invested in a massive bag of cheesy Wotsits. Those I portioned up into little bags to sell at the school tuck shop … and I always sold out. Ten-year-old me instinctively knew how to make money go further.

At 13 I began waitressing and soon I could buy the things I wanted. I later sold essays and homework on the side and I loved the independence of being self-sufficient. I still do.

By 19 my feet were itchy. Older restaurant colleagues spoke of their adventures abroad and I simply had to have a piece. I booked a solo trip to the UK and felt pure exhilaration as I boarded my first ever flight. People thought I was crazy, but I was young with a wild imagination. I was ready to meet opportunity.

Day two in the UK and I went job hunting. Every shop and business on Potters Bar High Street got a copy of my CV. A florist asked if I had experience and I told her no but you can teach me. I wasn’t feeling any fear. I must have handed a CV in to Nationwide because a month later I got a call from the branch manager inviting me to apply for a job.

I did, I got, and my career in finance began.

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