You’re going to need to dig a little deeper to get what you want.

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Why do we find it so hard to stick to and achieve our goals? It could be paying off debt, losing weight, or quitting smoking.

These goals are very rational, sensible, and have a clear and objective benefit to us. And yet, they’re so easily derailed by sudden whims.

In a brief moment we do what we want, and then later are filled with regret and frustration that we weren’t more disciplined.

The reason is that we’re not thinking about our goals the right way.

Using Logic and Rationality

Most…


Could it be standing in the way of your dream job?

Photo by Christin Hume on Unsplash

Your resume is a very small thing that has to do a lot of work. It’s your entire professional life distilled into a few pages, upon which a decision is made: do you proceed to the next stage of a job application or not.

It’s your first chance to make an impression and convince someone it’s worth their time to learn more about you.

In my professional career I’ve come across hundreds of resumes, and there are three very simple mistakes candidates make that can ruin their chances.

It’s Too Long/Hard To Read

Resume…


Good news: it’s not too late to fix them.

Photo by Pablo García Saldaña on Unsplash

Most financial advice revolves around roughly the same ideas — avoid consumer debt, save for retirement and don’t waste money. And it’s all very sensible.

However, there are mistakes which on the surface don’t seem so bad, but that can have just as much of an impact on your financial future as what I’ve said above.

None of the mistakes will have a sudden, harmful impact on your finances.

Instead, they’re slow burn mistakes which gently change the trajectory of your life’s journey. As each day passes, you risk moving further away from a better potential future.

1. Not Having Goals

Always have financial…


See your money from a different perspective.

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From my very first job as a teenager, I’ve paid attention to my money. I had a budget, I was frugal, and I saved. And as I got older, I began to invest my money too.

But despite doing all the things you’re supposed to do, I never really felt like I was getting anywhere. I knew I wasn’t in trouble — I had no high-interest debt, I had savings in the bank — but I didn’t feel like all my hard work was paying off. …


8 steps to help you weather the storm until you’re back on your feet.

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Whether you saw signs it might happen or it came out of nowhere, losing your job is like a punch to the gut. And unfortunately, with record-high unemployment levels, it’s something many of us are having to face.

The stress and uncertainty can feel overwhelming and it’s hard to even know where to start. So I’ve pulled together this guide with practical advice on what to do, and to give you some structure and direction in this difficult period.

1. Be kind to yourself

It might seem cheesy or superficial, but…


Take back some power, and do your mental health some good.

Photo by Renee Fisher on Unsplash

We’ve all had one of those days at work where you want to stand up, walk out, and never go back. It might be a frustrating colleague, a new policy or process, or a project from hell.

You let the fantasy play out in your head briefly. Saying what you really think, letting all those years of unsaid things finally be spoken. And when you have nothing left to say, you grab your things and go, leaving it all behind.

But then reality rears its ugly head. You have…


The golden child of investing has begun to lose its shine.

Photo by Breno Assis on Unsplash

The below is not financial advice, these are just my opinions.

I’ve always had a passion for money, and I spend a lot of time learning about the ways I can improve my financial circumstances. Something that I’ve always been drawn to is investing in property. When I was younger, I had no doubt that my future assets would include a few rental properties (likely spurred on by the fact that this was a path my parents took).

There was something enchanting about the idea of buying a property…


Can we have our cake and eat it too?

Photo by Austin Distel on Unsplash

For many office workers like me, the pandemic sparked an unprecedented migration of our jobs from our companies’ base to our homes. We quickly adapted, whether working from a home office or, in my case, a dining room table.

The benefits were noticed immediately. C-19 factors aside, we saw positive impacts from reduced commuting (both in time saved and a huge drop in CO2 emissions), better work-life balance and better use of the technology we already had available. Most importantly, we proved once and for all that remote working is a viable option for many companies.

The end of the…


No dice for this real-life Monopoly.

Photo by Tierra Mallorca on Unsplash

The below is not financial advice, these are just my opinions.

I’ve always had a passion for money, and I spend a lot of time learning about the ways I can improve my financial circumstances. Something that I’ve always been drawn to is investing in property. When I was younger, I had no doubt that my future assets would include a few rental properties (likely spurred on by the fact that this was a path my parents took).

There was something enchanting about the idea of buying a property, renting it out and having…


Are the heroes and villains of debt really what they seem?

Photo by Josh Appel on Unsplash

This article is for information purposes only, and are my own opinions and views. I’m not a finance professional, just a money nerd.

When I first started to learn about personal finance, I consistently heard one truth — there’s good debt, and bad debt. A mortgage and student loans were good debt. Anything else — credit cards, personal loans, overdrafts — was bad debt.

And it made sense. Good debt was used to fund sensible, necessary things, while bad debt was used to support an irresponsible lifestyle and living…

Jacob Shaw

Money, career, personal development. Find me on Instagram @thejacob_shaw

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