The life cycle

Ever heard of the Life Cycle Theory of Financial Management? It’s something I’ve covered in the Independent Mum’s Handbook, which I’m proud to say is now available from Amazon and other leading booksellers. Here’s an excerpt: “The Life Cycle Theory is a well-known economic theory created by Franco Modigliani and his student Richard Brumberg inContinue reading “The life cycle”

Mortgage questions answered

Hi Guys, I hope you’ve had a great weekend and that you are not feeling too sick after all your trick or treats. Here’s an update on what we have been up to this week. You may be aware that we held an open session with our experienced mortgage advisor Emily Francs this week. HereContinue reading “Mortgage questions answered”

Universal credit update !

Here’s an update on the budget changes to Universal Credit: The taper rate will change from 63p being deducted from every pound you earn over the work allowance to 55p out of every £1. Previously, £63 from your universal credit ward would be deducted from every £100 you earned.Now, only £55 is deducted from yourContinue reading “Universal credit update !”

What’s occuring?

Hey Muma’s I hope your Friday is going well,I am pleased to say that we at the Independent Mum’s Handbook have a few exciting things coming up. Monday 18th is the launch of the podcast. You can find the podcast on anchor here:–pregnancy-and-patience-e17k6m7/a-a6ib6hn


In my last blog, we spoke about goals, We looked at setting goals and creating an action plan to achieve your dreams. Let’s work on the premise that you have your goal and plan to achieve it.  Now let’s think about all the roadblocks that could get in the way of achieving your goal. ItContinue reading “MONEY MINDSET”


Hey Ladies, It’s the first of the month, and it’s got me thinking about goals. Over the past few weeks, in addition to working with you guys, writing the blog, writing the thesis to my PhD, creating new content for the podcast and taking care of the family, I have been thinking about goals. ItContinue reading “G-O-A-L-S”

Help with childcare costs

Happy Monday, Muma, I hope you are all well and that you have enough petrol in your car! It’s been a busy week here at the Independent Mum’s handbook. We’ve been recording and editing our podcasts for release on October 18th. Also, we’ve been researching the additional help you can get towards child care. It’sContinue reading “Help with childcare costs”

Crash course in credit

We are now on the third and final post on the basics of finance. In this post, we will look at credit and the types of credit. First, we will find out what credit is, then, I will introduce you to the credit score and the report and finally, we will look at different types of credit.

Fundamental financial instruments

Hello and welcome to part 2 of this 3 part blog series on the basics of finance.  This post is all about key financial instruments. We will cover, liquid assets and transactions; various savings accounts, stocks and shares, and bonds. So, let’s start at the beginning …