How to Fix Your Finances (Free Spreadsheet)

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You can get the dashboard for free here:
financialinterest.com/financi...
You'll need to sign in to a Gmail account and click 'File' then 'Make a copy' to be able to input your own figures
The brokers I use:
InvestEngine
investengine.pxf.io/eKR40z
Get a Welcome Bonus of up to £50 when you invest at least £100 with InvestEngine
Trading 212
trading212.com/promocodes/DAMIEN
If you do not get your free share after depositing £1. Use promo code DAMIEN, you will find it in the section with the three lines in the bottom right corner of the app.
Vanguard
www.vanguardinvestor.co.uk/
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DISCLAIMER: Some of these links may be affiliate links. If you purchase a product or service using one of these links, I will receive a small commission from the seller. There will be no additional charge for you.
DISCLAIMER: I am not a financial advisor and none of the content on this channel is financial advice. All information is provided for educational/entertainment purposes. If you are making investment or other financial decisions and require advice, please consult a suitably qualified licensed professional.

Опубликовано:

15 июн 2024

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Комментарии : 319

@DamienTalksMoney 3 месяца назад

You can get the dashboard for free here. Let me know what you think and if this sort of resource is useful. financialinterest.com/financial-health-dashboard/ You'll need to sign in to a Gmail account and click 'File' then 'Make a copy' to be able to input your own figures

@SkillFullSheep 3 месяца назад

Link is broken for me, Damien. After I enter my email address and click Send me the Sheet, I get an error.

@DamienTalksMoney 3 месяца назад

@@SkillFullSheep Are you using a VPN by any chance? I just tested it and everything seems to be working.

@Maiiftl 3 месяца назад

Could you add a section for Postgrad loan on-top of Plan 2? Something like that.

@orsonharry4192 3 месяца назад

Yes please 😊

@SimonRoss 3 месяца назад

This looks great, but as a contractor working within IR35 my tax is horrendous. Maybe something to look at for your sheet. Being in or out of IR35. Great show. I look forward to new content all the time. Thanks Damien.

@anthonygillespie3140 3 месяца назад

Your channel is one of the few things in the world that I can say with 100% certainty is a force for good. So glad I found your content early

@DamienTalksMoney 3 месяца назад

Love this! Thank you so much

@anthonygillespie3140 3 месяца назад

No, thank you!

@tomh2121 3 месяца назад

@@DamienTalksMoneyDamo mate, you’ve actually blown up. I’ve watched you for ages now but I hadn’t quite clocked how much your subs have gone up

@nateblanche2551 3 месяца назад

Honestly at this point you are by far my favorite ytber. Every video is insightful and always come from the heart.

@DamienTalksMoney 3 месяца назад

This is amazing! Thank you so much. Glad you think the videos are useful also

@chubuking 3 месяца назад

Hey Damien I’m a doctor and I’ve just cleared my student debt of £70k (couldn’t face paying such a high interest for the rest of my career). Your videos have been super helpful and I’ve decided to open up a global index and start regularly investing. Big thanks !

@joannekelly5132 3 месяца назад

Brilliant well done!!! No longer a slave to the student loan.

@markc8171 3 месяца назад

Top man, I honestly believe the government should pay you to do a series of lessons in all things money and how it works in the world. Ive learned so much from you, keep up the good work 👍

@3rddegreebyrne19 3 месяца назад

Couldn't agree more, can you imagine if just 7 or 8 of these videos were curriculum viewing for all kids at GCSE and some of the principles tested on as applied maths or a civics GCSE or something. Then share them through money advisory service for the older generations as a reminder. A whole lot of public good would be done. Keep up the great work, it's a hell of a talent to be able to communicate this stuff simply and quickly.

@grantross1360 3 месяца назад

Here here.

@damienpeck422 3 месяца назад

The government doesn't want you to know about money. Even money which involves the system, because they benefit from your misfortune and lack of knowledge.

@sb_dunk 3 месяца назад

@@grantross1360 *Hear hear

@jacc88888 3 месяца назад

Good point but sadly @3rddegrerbyrn19 is correct. The government benefit from our lack of knowledge about finance, investing and budgeting. Debt is probably what keeps our dubious economy going!

@tegid99 3 месяца назад

Give this man a knighthood! Thank you for your continuous efforts to share insightful videos. You have helped me understand so much about finance and budgeting over the years! 👏🏻

@DamienTalksMoney 3 месяца назад

I’ll take that Knighthood 🤣 but seriously the pleasure is all mine so glad I can help you improve your life

@midlifetastic3921 3 месяца назад

Spent hours last week searching for suitable spreadsheets. Turns out all I had to do was wait for you to do all the hard work for me 😂

@garycooper3777 3 месяца назад

Am late to the party (49) but your content has helped me to sharpen up. There is so much valid ad here, and it's for free, what's not to like. My journey now involves making sure my kids understand as much as possible. Thank you

@richardcardoe1313 3 месяца назад

Found your channel recently and watched loads, and you are absolutely nailing it! You come across as well informed, sincere and honest, and with the straightforward language and humour it is so accessible, on a topic that has until now for me seemed like a black box. I've set myself the goal to get my personal finance house in order, now, second best time to plant a tree and all that. Thank you.

@BoothferryLad 3 месяца назад

Brilliant Damo, the content is just getting better and better. Long time viewer, getting lots of value from your output.

@richardsaunders3977 3 месяца назад

Great job as always Damien. Content that matters, delivered with BS free common sense, making 'lifetime economics' understandable, digestible and meaningful. You've already helped more people than you will ever meet, and that's the mark of a true catalyst for positive change!

@RiskOnInvestor 3 месяца назад

Another cracking vid Damo - thanks for building this budgeting tool. Having spoken to a few of my friends, most of them just can't be bothered to sit down and write everything out, anything to streamline the process is really helpful. A lot of people also forget that some banks allow you to expprt your statements in CSV formats which can make it a copy paste exercise to speed things up further!

@Moosegravy420 3 месяца назад

This is amazing. Thanks for taking the time to create a tool that everyone should use but everyone can’t be bothered to create one!!! 🎉

@pritapp788 3 месяца назад

It's terrific that you're posting such actionable tips out there for free, and it's a total disgrace that this isn't taught as part of the formal school curriculum instead. I'm increasingly inclined to believe that this is done deliberately so that when they grow up, those kids and teens will make awful decisions that will "boost the economy": spend way too much on consumption and credit, go into debt for essentially worthless university degrees.

@IncySpider 3 месяца назад

Oooo I love a good spreadsheet! Love this, thanks for doing such an important job to share and spread knowledge.

@TheRealDarkSpoon 3 месяца назад

I’ve recently created a budget planner, expenditure tracker, and a dashboard. It’s been an eye opener for me on what I class as discretionary spend each month. Your content just gets better every week.

@alf_lim 3 месяца назад

Thanks Damo. My spending these past months were appalling. Will try the tool you made. 🙌🏼 Your channel is a gift that keeps giving.

@davidplant2523 3 месяца назад

love this freebie! Thank you! Will be doing this spreadsheet!

@joaopires8815 3 месяца назад

Damien this is such a fantastic tool!!!I’m so grateful for the service you are doing to people, myself included. And thank you for always doing it with flare in a fun way!

@shubhampalange 3 месяца назад

Great Video, Damien! You are one of the very few UK investment educators I enjoy learning from. Thank you for building this tool and letting us use it and test it.

@nicknickmm 3 месяца назад

Thanks for this. This will be incredibly useful. Such a mind field! Youre quickly becoming one of my favourte/must watch people on youtube!

@DamienTalksMoney 3 месяца назад

Thank you Nick

@melzeebub92 3 месяца назад

This spreadsheet was really eye opening and incredibly helpful. With my finger in the air I was struggling to effectively figure out where I could make cuts and increase savings/investments. This sheet has helped me easily identify a huge saving that I can make each month

@shellyperera2010 3 месяца назад

This was brilliant. Your channel is one of the best and covers a different angle to the common where to invest and how to retire etc. I honestly think you should make a series aimed at schools which could be discussed during PSHE lessons. I hope it's something you'll consider as it's sorely needed. I'm teaching my kids all the lessons I've learned through your channel but so many children aren't. Keep up the good work!

@genetthales 3 месяца назад

Glad, someone is sharing essential knowledge in the era of crap social media content these days. I watch every single video from you, and strange enough when I discussed with my friend other day he has same opinion ..good work mate !!

@creatingbalancefinance 3 месяца назад

This is brilliant! So much work has gone into this 😊 great work from you and the team!

@melalblas 3 месяца назад

Every video I watch is my new fave video! You somehow manage to effortlessly make me laugh whilst also telling me serious things about how to sort my financial life out - I thank you 🙏🏼❤😂 (downloads said file 🥰)

@EamonCoyle 3 месяца назад

Good on ya sir, great to see people who can still give back as they move forward !!

@stevierp 3 месяца назад

The new titles are awesome. The investment in your team is paying off. Well done sir.

@willjuppdrums 3 месяца назад

Honestly you're nailing your goal in this video, please don't stop!! I'd love to see more content around self employed advice and look forward to the additions on the spreadsheet!

@DamienTalksMoney 3 месяца назад

We will get it updated for you on the self employed side as soon as possible

@theadamsfamily2490 3 месяца назад

Legend - this tool is exactly what I've been looking for. I'll get stuck into that this evening. Many thanks and keep up the great work 👍

@mooneynulson07 3 месяца назад

Your content is one of the best on RU-vid, so underrated

@mdapeebles 2 месяца назад

Well done at sticking to the goals Damo; lovely to see your journey in seeking to be a true force for good.

@glenlewington4608 3 месяца назад

Thanks Damien for this very useful tool. I have been recently enjoying you content and learning a lot from it! A suggestion for the spreadsheet is to add Scottish Tax bands and Scottish student loan repayment schemes which would help me better visualise my expenses.

@angejan 3 месяца назад

Video quality and script writing just keeps getting better. Good stuff Damo

@angrydoc4769 3 месяца назад

I have kept a complete record of my income and spends using the Microsoft Money program since 2001. Every single penny is accounted for and it gives me a forecast for my spends. Every so often I’ll compare time periods to see the rising cost of groceries and energy bills. Safe to say I don’t have any friends

@willsrpi 3 месяца назад

Thanks Damien, I've got various budget programs and wealth trackers I rarely use, this seems like a nice combination of simple and effective.

@madma11 3 месяца назад

Thank you so much Damien for that spreadsheet and all your advice. You are a literal legend and I cannot wait to pay for a pint for you when/if we meet.

@pacifica9718 3 месяца назад

Fantastic! I will definitely be using this valuable tool. Thank you!

@shimsteriom4191 3 месяца назад

Massive thanks to you and the new 'Damo Team' for the efforts you've put in to this spreadsheet.

@DamienTalksMoney 3 месяца назад

Our pleasure!

@robbieeccleston1312 3 месяца назад

Damien the first video I watched of yours was the ‘what is an index fund’ video when I was 18, (during lockdown). I don’t really comment usually but I just wanted to say that I would be NO WHERE NEAR as financially literate and organised as I am now without your channel, and your humble, down to earth take on it. Just a massive thankyou from me really. You’ve come so far since i first found you and i am going to go so far BECAUSE of you. Thankyou so much ❤

@DamienTalksMoney 3 месяца назад

Wow you found my channel early! Probably when I first started. Love that I have been able to help you honestly the pleasure is all mine. It gives me great satisfaction knowing that I’ve made content and peoples lives are better for it. Keep going far Robbie

@ademcguinness8132 3 месяца назад

Content like this is why we love this channel. Thanks Damien and continue the excellent thought provoking words which should hopefully help all of us and our dependants plan for financial and mental health 😎 I currently do this type of monthly, yearly planning in excel without the nice groupings and visuals, so I am looking forward to having a play with your model.

@DamienTalksMoney 3 месяца назад

Legend thank you! Glad you think it is useful

@theredarmy93 3 месяца назад

Excellent work, thanks so much for providing resources to help us in our everyday life

@jscalow 3 месяца назад

I've downloaded and used the tool, very helpful, don't feel so bad turning 50 in a few days now- great work and great videos.

@collettewilliams642 3 месяца назад

Recently found your channel and you have such a great way of teaching, I love that it’s backed up with research and facts and more importantly…big up 0121!!!!

@DamienTalksMoney 3 месяца назад

BIG UP 0121! Legend thank you Collette

@gscraggster6553 3 месяца назад

Nice work Pal, it’s going to put a smile on my face.

@tinanolan1485 3 месяца назад

Brilliant thank you for generously providing this. Awesome!

@PaulReardon-qh9fk 3 месяца назад

Love what you're doing. I'm commenting purely to help spread the word. Great work, I'd love to be one of the team behind this, it's my passion. (Bit of a spreadsheet nerd). Anyway keep up the good work

@MrLasty12 3 месяца назад

Fantastic dashboard Damo, sharing this video /link to all who will listen!

@SafaDave 3 месяца назад

Thanks for this. I’ll give it a try. I’m pretty frugal with my monthly income and don’t really budget. If my bills are paid and there’s fuel in the tank then I’m hopeful most days.

@IainGeddes 3 месяца назад

Damo, this looks fantastic! Great work to you and your team (big leagues now eh!?) - I'll give this spreadsheet a go and do my best to break it 👌

@zombyoli3681 3 месяца назад

Very useful thanks for this. Doing a great service for people with the channel. Great work

@DamienTalksMoney 3 месяца назад

Glad you think so!

@christines5430 3 месяца назад

An ace video, Damien! I am going to be testing out the dashboard and sharing.

@patrickhaynes2040 3 месяца назад

Hey Damien, thanks for putting this tool together. Just a heads up on the settings tab - the higher rate of 40% has been set at £37,700 instead of £50,270 (cells F37 / E38). I don't know if you wanted to ignore the personal allowance with the way you'd set up the formulas (50,270 - 37,700 = 12,570), but I got a more accurate readout of what my take home pay is once I adjusted this field. Thanks again for the spreadsheet and all of your insight!

@georgeagan 3 месяца назад

This is brilliant mate and I'm sure hugely valuable to the audience. 👏

@Will-pz1lf 3 месяца назад

Damien, you and your team have improved my financial health (and overall mental health) so much. I've only been taking my finances seriously for about 6 months but it's already made such a difference to have a plan to get back on track. This budget sheet will mean I can retire the sketchy Google sheets I use!

@Will-pz1lf 3 месяца назад

*thank you!

@DamienTalksMoney 3 месяца назад

Amazing! You are so welcome mate. Well done for taking action and improving your life and mental health.

@chrisballUKtoNZ 3 месяца назад

i built a cash flow model spreadsheet the other week, took alot of work. wanted to have different stages of deposits into an account and then years when i retire when i travel and years when ill possibly need care. the variables on the formulas nearly exploded my brain but shes working now. looks beautiful too.

@redkite5799 3 месяца назад

Damien, you and your team are among a very few finance tubers I trust to wade thru the BS and get to the important stuff :)

@benj6244 3 месяца назад

this is great Damien. Timing is bang on as been thinking of going through finances for a while. Is there any reason in particular you work on gross and not net pay? Assume related to pensions. My pay has so much coming out outside of tax, NI etc that it feels like its more complicated than just working off gross.

@lyracian 3 месяца назад

That is certainly more detailed that the one I had put together myself. Thank you. I shall have a play around with it. I have actually started tracking my spending in detail this year. At the moment I am putting all of the figures for February into my spreadsheet. (Well, you know, if I was not being distracted watching your videos). Since there is not really a good place to respond about older video's I wanted to add I have now opened a Junior SIPP and put in £2500 to start my daughter off. Thank you, again, for letting me know they existed.

@jameswilliams1456 3 месяца назад

Great video and great spreadsheet- top work 👍🏻Thanks

@Onionking 3 месяца назад

Looks brilliant, can’t wait to give it a go. One thing I’ve found as I’ve been looking to take control and plan is. As I have a defined benefits pension (fire service) it’s often difficult to add to many calculators. I have recently decided to pay more in, but as I only get an annual statement it’s difficult to work out what additional pension this would provide for me. Any info on defined benefits pensions would be much appreciated. I’m always been told how great they are and would like to maximise the benefit. Videos are great, keep it up 👍🏻👍🏻

@drln1ghthaunter 3 месяца назад

Already have my own budget spreadsheet which I've been tinkering with for months but I might gleam some more useful tidbits from yours. I think the only notable catagory I had in mine which wasn't present in your spreadsheet was gifts (xmas,birthdays,etc). I think the planned extra functionality with the compound interest calc will be useful as I know personally my pension contributions will jump up once I've finished saving for my wedding and there will be a much larger jump in my early 50's when my mortgage repayments are complete and it diverts into my pension for the last 15yrs or so.

@DocileSmurf 3 месяца назад

Content that continues to be bloody brilliant. Nice one 🙌🏻

@DamienTalksMoney 3 месяца назад

More to come!

@davejones6891 3 месяца назад

As ever, top content. I will give the sheet a whirl! Thanks Damo

@TheYorkshirePhotographer 3 месяца назад

Looks really useful! Gonna try to spend some time going through it this week 👍

@mikejames4540 3 месяца назад

Really useful, clear and straightforward information and ideas. I’d definitely have done this 30 years ago. What’s the general advice? The best time to start something is ten years ago. I’d really have been ahead of the curve then!

@Oceloteater 3 месяца назад

Thanks for the sheet, really helpful!

@patrickkelley4281 3 месяца назад

Always looking after us mate, thank you

@DamienTalksMoney 3 месяца назад

You are welcome mate

@vvallis 3 месяца назад

Thank you for doing this, I look forward to taking a look at it

@avipatable 3 месяца назад

Good man Damien. I think I will have a go on it on a rainy day. Always interesting to hear what other people spend their money on. I am one of those sad sacks that live like a peasant to avoid living like a peasant. Car valet, eating out etc are all a different language to me! I have my hobbies, that, now I have the "thing" don't cost anything and I have a fine dog that I walk miles... Cheap ways to enjoy yourself...

@mikeallen2914 3 месяца назад

Great tool. I think I'm very on top of this but the last page interests me so I will fill it all out and see if I lean anything from the other pages that surprises me. Sending to a friend though!

@nallen0 3 месяца назад

I’d love to use this once it (hopefully) works for self-employed income - it would be great to have a category in expenditure for money set aside for paying tax. I have a SIPP also. Fantastic piece of work thus far though…really well done.

@m4son5ee 3 месяца назад

This channel is going from strength to strength mate. Top content as always damo. When you and Martin Lewis team up it’s going to be an unstoppable force! 😂

@gothenburg83 3 месяца назад

Looks like a great spreadsheet. I have my own versions (also have one that allows for the LISA rules). I will definitely take a look at this.

@Russelllemon 3 месяца назад

Nice tool! Clear and concise. Suggest to add a monthly deposit line to the emergency fund section. Food spend is really only 200£ per month per person? And whatever I put in food it came up as review. Suggest a traffic light colour scheme for status might be helpful for users to prioritise action. Good work! Congrats to you n the team!

@DamienTalksMoney 3 месяца назад

Hi, thanks for the feedback! We just tested and the food section will show as 'OK' if low enough, but have just bumped up the average price per week slightly to help with this - think it's more likely to come up as 'Review' if you don't add kids in as they bring the average price per person down

@user-kk9bz9db6o 3 месяца назад

Very valuable info, thanks mate.

@justjohn8949 3 месяца назад

I'm sound / an anomaly when it comes to money, but your vids and information is sound. I've had a friend message me about working out how much needed for living/early retirement this weeend. I already know I'm budgeting too much for myself (but better to be over than under I always figure), but I will be forwarding him this vid as has some good nuggets and the spreadsheet on expenses might do him good. (I could only give advise on how I calculating for myself. I'm single n no kids. He's split up and 3 kids. Getting across the expense of kids vs none I'm not sure came across, or if did and I still think he'll underestimate 😅).

@rjeez95 3 месяца назад

Biiig Thaaanks for this! I was doing this manually just before I saw this video!!

@MastG 3 месяца назад

Budgeting is a powerful tool. The biggest problem I have is estimating an allowance for my "expeiances" . I have recently fired and allow £350 4 weekly for theatre, concerts and cinema. Plus £1.2k 4 weekly for holidays. Also, budget for house/building renovations !

@dailysleaze 3 месяца назад

What I've done for the last 15 years is put the balance of all my accounts into a spreadsheet every pay day. Keeping track month by month its easy to see how much you save or deplete savings in a given month. This is easy to do and if I spot problems then that's where I'd dive into some more specific analysis. It's less bursonsome and gives you a good grasp of how your finances are doing on a regular basis. The spreadsheet will be great for that in-depth analysis 👍

@Waddywoos360 3 месяца назад

Yes, I calculate just before I get paid how much I had remaining, what credit card balances were, how much is left on mortgage, what is in investments etc. and effectively track my net worth month by month. Seeing it grow is really motivating!

@OMB809 2 месяца назад

Best UK finance channel 100%

@chrissutton8776 3 месяца назад

Really, really helpful - Thanks Damien 😇

@buytolet-landlords 3 месяца назад

You must have seen my Reddit post. I've been crying out for something like this 😅 This is gold. Thanks Damien. Going through client's bank statements on their behalf is an eye opener. They always think they live on a budget of pasta and rice but it's always 3x as much.

@ChaosNetworx 3 месяца назад

Thank you for your time and content :)

@ryanjones5594 3 месяца назад

Damien - another excellent video. One thing I think would be great is a compound interest calculator that you could accurately track to indeces like the S&P500. For example, rather than a calculator that does £200/month for 30 years at 10% a year, a calculator that could take that £200/month for 30 years, and then use the +/-annual percentage for the last 30 years of S&P. As we know, stock growth is not linear, and it would be interesting to see the difference in values...

@SilentEire 3 месяца назад

“Me and the team…” Idk but hearing that I was filled with joy for you. You’ve made it pal 😎

@DamienTalksMoney 3 месяца назад

now just need to figure out a way to pay everyone 🤣

@MeenakshiRaman1 3 месяца назад

I got a copy of your book at the event you did last night at The Conduit. I really hope that counts towards getting the no.1 best seller spot!

@PlatinumBro 3 месяца назад

great spreadsheet thanks Damien!

@SGC03 3 месяца назад

Another great video. I personally won’t be using the tool, I have my own. My own forecasting tool is based on a rolling five years. Takes into account “inflation” (where I make a guess to what my groceries will be 2-3-4 years from now etc). I find the whole process quite enjoyable. One point I’ll make. I see quite a lot of videos with a similar theme to this. They all seem to miss a key point IMO. For it all to work, you need to execute the plan. Your financial plan/forecast can be the best in the word but, if you don’t follow it you’ve completely wasted your time. Apologies if you did say that. I was scrolling the comments whilst watching 😂

@liberalmatt 3 месяца назад

Notebook to track all deductions from net, small cash withdrawal per month (tracking ALL hard cash spend), plus tracking ALL card payments. Tangibility and (tracking) discipline are key. Give yourself a modest Friday night though - we're not all stoic robots.

@byronmayhew1849 3 месяца назад

Good Job Chief!! as always

@peterrowe7878 3 месяца назад

Another really useful video. Top man!

@manling13 3 месяца назад

I did a little model for mortgage overpayments and savings (that I can specify diff amounts for diff months) Great to see the savings of interest (almost like a reverse version of your investment income at the bottom of your dashboard😆)

@stillnessinnature 3 месяца назад

Thanks Damien, Loving your content , great work

@DamienTalksMoney 3 месяца назад

Thank you!

@janeknight3597 3 месяца назад

When you build the app🙂 give the user a way to build a tag list. I use an app which is marvellous but not great if you want to custom group . Will defo give your sheet a test run❤️

@TheBrassmonkey87 3 месяца назад

"Half a million quids worth of kids running round the house" That proper cracked me up. 😂😂😂

@thomaspowell2043 3 месяца назад

I've found it really useful to have a different credit card for every category of my outgoings. All subscriptions go on one, all grocery shopping goes on another; my phone and airtime on a third; takeaways and meals out; even have one for charity donations and one for patreons. I have a separate bank account for loan repayments (can't put them on a credit card) and a standing order to that account every month. Find it much easier to keep track of where everything is going and it's good for your credit score when you're paying balances off every month. It's so much easier to keep track of spending when you havn't got a random list of direct debits and standing orders to check on one account every month.

@SGC03 3 месяца назад

I’d suggest you’re very rare, to be able to manage multiple credit cards for budgeting. This would be a disastrous strategy for Joe Punter on the street. Kudos to you for making it work. Your credit score is meaningless btw. UK speaking anyway.

@thomaspowell2043 3 месяца назад

@@SGC03takes a bit of self control but not very hard. Credit score isn't meaningless at all. We all need a loan or credit sometimes - buy a house for example. My credit score is getting to the perfect level. I get very good interest rates on credit.

@SGC03 3 месяца назад

The actual score itself is literally meaningless. It’s not used by lenders. It’s just a marketing tool.

@thomaspowell2043 3 месяца назад

@@SGC03😂

@jhongpee 3 месяца назад

Great piece of content Damien. Keep up the good work!

@DamienTalksMoney 3 месяца назад

Thanks, will do!

@John-ty3sf 3 месяца назад

I absolutely agree with this sentiment… ..while I do personally get great value from audible as it as lead me to listen to a wide range of books and podcasts and lectures … I have would not be able to afford to buy them individually.. I have been guilty of having a sky tv prescription that I hardly used (cancelled about two years ago now.. that was about £80 a month I was spending and not really using) .. that’s something like £100 a month that I could have been putting into my pension

@saxonclements8157 3 месяца назад

Could you add a weekly option please? I’m one of the weird few people paid weekly and some of our budgeting is calculated as such. Ive been working on our budget lately and this is by far the best tool I’ve come across so far. Thank you