Save • Invest • Retire
Investing on a low income.

Analysing shares: How do I know which shares to buy?

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Learning how to value shares and deciding which shares to buy is the toughest part of investing.

Do I buy Tesco, BP, BT or Next? ... The list goes on. You may even be sitting there wondering where to even start!

Unfortunetly, there's no magic formula that will guarantee you pick winning stocks all the time.

But I am going to show you how to identify stocks worthy of investment.

Here is my OFFICAL 10 Point Stock Checklist and the list software which I use to shortlist stocks.

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Check out @LewysAron 's 10 Point Stock Checklist. Ten things to look at before deciding on whether to buy a stock. Easy and actionable.

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Binary trading scam: My epic takedown of binary trading

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I hate binary trading – I even go as far as to call binary trading a scam

Now you may be thinking ‘binary trading scam?’ isn’t that going a bit far?

Well the dictionary definition of scam is;

‘A dishonest scheme’

And, I certainly feel that Binary trading is presented in a very dishonest way.

Just look at these messages that  pop up in my Twitter and Facebook inbox

Dishonest!

In this article I’m going to explain to you what binary trading is, why it’s a fool’s game and how dividend investing (the investing I advocate) is different.

Continue Reading

What share to buy?

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The first question I always get asked by newbie investors is focused around what share to buy.

Through some seminars I’ve held at university recently I’ve had the opportunity to gain valuable insight into how fellow students invest and what makes a share a buy for them.

But one thing has become clear – the last question newbie investors should ask is ‘what share to buy’. Continue Reading

Christmas clean up – Sorting out my portfolio

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My portfolio was a mess! With many of my early investing mistakes still present in my portfolio I finally decided to bite the bullet.

I CLEANED UP!

All investors evolve over time. We learn from our mistakes and adapt our strategies accordingly. But, what should you do if past mistakes are still evident in your portfolio?

It can be a painful process, that costs money in the short term BUT if a stock’s fundamentals mean it no longer fits with your overall strategy, couldn’t the capital tied up in it be deployed somewhere else? Continue Reading

“Investing is just like gambling” No. It really isn’t.

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The first thing I often hear when people learn that I’m an investor is that’

“Isn’t that just glorified gambling?”

Fed up of constantly explaining why it isn’t, I decided a blog post was necessary.

The main reason why many think that investing is a form of gambling is because they don’t know the difference between trading and investing. Continue Reading

Take pleasure when others spend big – Debunking their spending

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Sometimes, frugal living is tough, and one of the hardest things about frugal living is watching others spending big.

It’s sometimes hard to watch as your friends go on expensive holidays, buy expensive cars (mostly on finance) and enjoy the finer things in life.

BUT, we should take pleasure when others spend big! Continue Reading

6 tips to remain social at uni whilst saving money – Eating out.

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One of the biggest challenges I face at uni is how to save money but remain social.

I’m often asked by friends to go out for food, coffee, trips and of course nights out!

If you say no in these situations, you’re going to spend your time in uni with little friends.

So here are three useful ways in which I save money whilst remaining social.

Eating out  

  1. When asked to eat out, always try to do so before 5:30pm.

    The vast majority of restaurants have great deals on between lunch time and the evening period. Take advantage of this.

  2. NEVER split the bill amongst friends.

There’s nothing more annoying than going out for food, ordering a salad and tap water then ending up paying for Sandra’s steak and glass of wine.

  1. Do your homework and bring the correct change.

    This is a great trick I learnt during my first year. By looking up the menu online you can bring the correct change (or really close) to the restaurant. This avoids the bartering of;

    “Let’s just split the bill, it’s easier”
    “ Yours was £8 so just chuck me a tenner”

    Simply give your share of the bill and relax.

  2. Don’t let anyone buy you a drink.

    This may seem counter-productive. I mean, who doesn’t want a free drink? The problem when someone buys you a drink is that it creates an atmosphere where you socially ‘owe’ the other person a drink.

    When it comes to the dessert and they fancy another pint or a coffee, guess who’s paying!

  3. Stick to tap water

I know, I know. It’s lame, but I’m seriously fed up of paying £2.50 for an orange juice or pint of coke.

  1. Stick to one course

Again, a lame choice but by sticking to one course you can cut your bill in half.

Some of these tips are more obvious than others but stick to these tips and you won’t bust your budget on dining out.

Being frugal doesn’t mean being unsocial.

Keep an eye out for my next article on frugality: How to remain social at uni whilst saving money: Nights out.