I’ve created this website in an attempt to help people get a hold of their finances. This website will not be giving you the golden bullet which will solve all of your financial problems (because to tell you the truth, there is not one). But by following a number of very simple steps, I am hoping it will put you in the right direction.

Me – I am a (very) late twenty something, who lives in bonny Scotland. The Scottish Borders to be exact. I am basically your average Joe. I work 5 days a week for a small company on the outskirts of Edinburgh. I am married and currently have no children. I have an interest in personal finance and helping people. So I want to try and pass some of the personal finance knowledge I have gained over the years onto other people, just like you.

Aim – The aim of this website is to hopefully help you with your financial situation.

Why – I talk about personal finance with my work colleagues occasionally and it always seems to be that there is just not enough basic financial advice being given out. I am talking about the real bare bones, like how interest on a bank account or loan works and what inflation is.

I was recently listening to a Freakonomics podcast entitled ‘Everything You Always Wanted to Know About Money (But Were Afraid to Ask)’ and was shocked at the results of questionnaire that contained 3 simple questions about finance. The study showed that roughly 70% of Americans could not answer 3 simple multiple choice questions on simple financial concepts. Although the study was conducted in America, a similar percentage of people lack a basic understanding of financial concepts in other developed countries. So don’t worry if you think you fall into this category, you are not alone, in fact, you are in the majority.

So, shall we get started?