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Why Compounding Is So Important (And Not Just With Money)

  We often hear about compounding in finance: save a little, let it grow, and over time you end up with a lot. But the real magic of compounding isn’t just about money. It’s about everything. It’s the quiet force behind every kind of success—financial, emotional, physical, or personal. It’s the difference between short bursts of effort and lasting change. So what is compounding? It’s simple: the results of small, consistent actions multiplying over time. The Truth About Progress: It’s Not Linear Most people expect life to reward effort like a vending machine: insert work, get instant result. But that’s not how anything truly worthwhile works. You don’t read one book and suddenly become wise. You don’t save £100 and retire. You don’t go for one run and get fit. Real progress is boring at first. It looks like nothing is happening. But stick with it, and suddenly everything starts shifting—and fast. Why? Because compounding kicks in. The Compounding Effect...

How to budget for tax when your self employed

 Budgeting for your tax bill is probably the most important thing to do if your self employed. I’ve had a few clients that do not do this only to receive a visit from HMRC and interest charged on top. 


Before I tell you this, I want you to know I am overly cautious when budgeting for my tax and save way too much!!!

So without further ado... this is how I do it!!!

For everything I earn, I put 50% into a savings account until I know how much my tax bill is going to be and when your tax bill arrives you have so much money in that account you can easily pay your tax bill and even treat  yourself! 

Vx 

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