Under The Money Tree

Author: Under The Money Tree

  • Investing: There be Dragons

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    Under The Money Tree
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    As I mentioned recently, we rarely watch television in the Money Tree household. When we do, it is more often than not a pre-recorded series via our freeview pvr box. There’s a small number of programs we watch from time to time one of which is Dragons Den. While Dragons Den is first and foremost an entertainment…

  • Bankers Bonuses, Tumbleweed & Hookers

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    Under The Money Tree
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    The bonus day at the bank recently come and went for another year. So, how best to sum up the atmosphere in the office the day after…. Things have definitely changed in the industry. Gone are the days when significant increases to both base and bonuses are the norm. These days in the run up to B-Day, there’s a customary round…

  • Whistle While You Work

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    Over the last few years the UTMT household has become significantly more productive. This increase in activity is 100% correlated to a decrease in hours spent watching television and an increase in the amount of music we listen to. Of the TV we do watch, I’d estimate that 99% is done via watching recorded series captured…

  • Benchmark Your NISA Income

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    Being relatively young (mid thirties) means that NISAs (ISAs) are the savings/investment vehicle of choice for me when it comes to the stock market. While there are generous tax breaks on offer when you put money into a pension I currently prefer NISAs for the following two reasons: Any future income or capital gains generated…

  • Remove the Emotion from Your Investing

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    The older (and wiser1) I get the more I find myself becoming less emotional about my investments. It’s been well proven in many studies that us humans are flawed when it comes to investing. Our psycological reaction to losing £1,000 is much great than the thrill of making the same amount. Of course there is…

  • 2015 = The Year of Win

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    This year I’ve avoided setting too many ‘boring’ New Year resolutions. I’m already tracking metrics such as net wealth, passive income, exercise levels, weight etc so I always know when I’m performing well and when I need to kick myself.  Instead this year I’m taking more of a holistic approach to my New Year resolutions.…

  • Oil: A Slippery Business

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    So the markets traditional plan of drifting into the Christmas period merely squaring off positions and battening down the pnl for year end while enjoying a hazy fog of Christmas hangovers hasn’t quite worked out this year. The action has been been firmly focussed around the dramatic fall in oil prices in the latter half…

  • Seeing the Financial Wood from the Money Trees

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    Under The Money Tree
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    The journey to financial independence can seem like a never ending uphill struggle sometimes. If you’re not careful investment fatigue can hamper you motivation and stifle your progress. However while it’s very sexy to talk about and focus on investments, the real problem most FI seekers face financially is expenses. After all it is the expenses that need…

  • Mind over Money

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    I am well known amongst family and friends for being very laid back. I find I’m constantly telling my wife and other family members to relax and not worry about things so much, which more often than not makes MRs UTMT less relaxed! However, despite my laid back exterior I am prone to a little bit of…

  • White Friday – Quietly Keeping My Money

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    Here in the UK we love importing American phenomena from over the pond and it appears the shopping frenzy known as Black Friday is the latest. For the UK press it’s a great spectacular that allows them to present all sorts of stats about how much retailers are selling, picture the mad crowds, increase their…