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Join the 52-week money challenge and see your savings grow every week. It’s a simple way to save more by the end of the year—save a little more each week and make your money work for you! Like this? Check out the $1000 monthly challenge! I never liked throwing money away, but I must admit… The post 52-Week Money Saving Challenge (2026) appeared first on Gathering Dreams.
After we all spent months anxiously awaiting the start of Rachel Reeves’ Budget 2025 speech, it was the Office for Budgetary Responsibility (OBR) that broke first. Like a twitchy sprinter in the 100m who jumps the starter’s gun, the OBR went early and published its assessment of the budget – complete with most if not all of the contents of Reeves’ speech – more than half an hour before she got up to speak in the […]
We’re getting close to another year in the books. And the end of the year is an opportune time for a little personal finance housekeeping, to better get your financial life in order. My self-practice and recommendation to you: calendar-in 1-to-2 hours of time ASAP to go through the following year-end personal finance checklist that I’ve prepared and personally use. Rinse and repeat every December. Your future self will thank you in 2026 and beyond. Here’s my suggested checklist… 1. Spend “Use it or Lose it” FSA Funds If your employer hasn’t voluntarily adopted FSA carryover flexibility, you could lose The post The Year-End Financial Checklist (15 Personal Finance To-Do’s) appeared first on 20somethingfinance.com.
Barclays US has bumped the signup welcome bonus on the Upromise Mastercard to $300 (up from $100), for a limited time, when you spend $1,000 on purchases in the first 90 days. The previous welcome spend bonus high was $200, so $300 is a best-ever signup bonus. This is a solid no-annual-fee card that I personally have had in my credit card arsenal for many years and I’ve written a full Upromise Mastercard review previously. Below I’ll give some of the highlights that this card offers and why I’ve held on to it for years. Offer Link: Upromise Mastercard (affiliate The post Upromise Mastercard: New $300 Bonus on $1,000 Spend, $0 Annual Fee, Gift Card Perks appeared first on 20somethingfinance.com.
At a Glance Inclusive lenders are reshaping UK borrowing by using real-time data, Open Banking, and ethical underwriting to support people with bad credit, thin credit files, or irregular income. These lenders prioritise fair assessments, transparent pricing, and borrower well-being, making credit safer and more accessible as fintech evolves into 2026. Salad leads the space with ethical, affordability-first lending and rapid digital payouts, while Loan Pig, Reevo Money, Creditspring,…
Are you searching for good side hustles for teens or wondering how you can empower a young person with earning potential beyond their allowance or part-time job? With the rapid evolution of the digital economy…
My Sweet Retirement Financial Goals Progress for November 2025 I am going to update on my Financial Goals Progress for November 2025. This month, the total value of my assets retreated slighted to 106.44%. I exceed my financial goal by 6.44%. The main reason … Financial Goals Progress for November 2025 My Sweet Retirement
Most lip balms feel great for about two minutes… and then your lips somehow end up drier than before, and I always didn’t like it. So, I decided to make DIY lip balm, and I started experimenting. Some batches turned out grainy, got too solid, melted in my bag, or felt like I’d smeared candle wax on my lips. Eventually, I found a formula that actually works. It’s soft, nourishing, and made entirely from plant-based ingredients. No beeswax, no petroleum, and no plastic tubes. Just simple oils, a pinch of candelilla wax for structure, and whatever scent or tint you like. Below, I’ll share my favorite 3 recipes and all the tips I’ve collected, so you can create your own easily. Why make your own lip balm? Store-bought balms often use beeswax or synthetic waxes that coat your lips instead of moisturising them. Making your own lets you: Use fully vegan, cruelty-free ingredients Customise the scent, colour, and texture Avoid petroleum, silicones, and preservatives Reuse tins or small jars Create a balm that hydrates instead of drying out It’s simple, fast, and satisfying. Why this vegan lip balm works The secret is a good balance of: Castor oil → shine, moisture, staying power Almond oil → lightweight nourishment and glide Candelilla wax → structure without heaviness Vitamin E → keeps oils fresh longer Coconut oil (in variations) → a melty, glossy feel With the right ratios, the balm melts on contact, hydrates deeply, and never leaves your lips feeling “addicted” to reapplying. Fresh minty lip balm Gentle, nourishing, and great for everyday use. Makes: about 3 small tins (around 55ml total)Shelf life: 6–12 months (store cool and dry) Ingredients 20 ml castor oil 30 ml almond oil 4 ml candelilla wax 10 drops of vitamin E oil 2 drops of mint essential oil (optional) 0.3 g mica powder (tiny pinch for shimmer, optional) How to make it Add the castor oil, almond oil, and candelilla wax to a heatproof bowl. Melt everything slowly over a double boiler (low heat works best). Once the wax is fully melted, remove the bowl from the heat. Let the mixture cool for 30-60 seconds so it isn’t piping hot. In a tiny dish, mix mica powder with a few drops of almond oil to make a smooth paste, so there are no clumps. (I skipped this step and didn’t have problems with clumps) Stir in the vitamin E, essential oil, and the mica paste. Mix well for about 20-30 seconds so everything blends evenly. Pour the mixture into clean tins. Leave it to set at room temperature until fully solid. Once cooled, close and store your balm in a dry, cool spot. Choco lip balm This version uses cocoa butter for the chocolate scent and a small amount of candelilla wax for structure. The result is a soft balm that still holds its shape. Ingredients 20 ml castor oil 30 ml almond oil 4 g
Investors obsess over stock market fluctuations while overlooking far more dangerous threats. We see this all the time: pandemics, climate change, and the 2008 Great Recession are all examples of market miscalculation. Today, everyone seems to be obsessed with the AI Bubble. Some have concluded valuations are in the stratosphere and expectations are far too high. Many large companies are issuing substantial amounts of de…The post Profit Isn’t Protection appeared first on A Teachable Moment.
Let’s get real for a second. Most people want to retire early, but think it requires a trust fund, a viral startup exit, or a crypto miracle. But the truth is way less glamorous and way more doable. If you’ve ever looked at your paycheck and thought, “How the hell am I supposed to retire early?” this post is for you. Because the math behind financial freedom is shockingly simple, and once you understand it, […]
Welcome back to another monthly update from Root of Good! We are back home in Raleigh after spending most of the month on a cruise through the Panama Canal. As a result this monthly update is almost a month late. Better late than never, I suppose. After being very busy traveling throughout 2025, we are finally home for a long period of time. So far, we have nothing planned for more than two months. The […]
In this week’s solo episode, I reflect on the biggest patterns, mindset shifts, and lessons I’ve learned from helping hundreds of people start (and restart) their financial independence journeys. I walk through the three most common struggles people think are unique to them, the life transitions that often spark the desire for FI, and the deeper motivations that truly drive long-term change. I also share the emotional and practical mistakes I see people make […]
Trust Bank launched Cash+, and if you’re one of their 500,000+ customers, you’ve probably seen it pop up in your app. Should you put money in? I tested it. I compared it to Mari Invest SavePlus. Here’s what you need to know before tapping that “Invest” button. Basic Info Manager Aberdeen Investments Fund Size $69 […] The post Trust Cash+ Review (abrdn SGD Money Market Fund) appeared first on Turtle Investor.