Under The Money Tree

Author: Under The Money Tree

  • The Mortgage Overpayment Wall

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    Under The Money Tree
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    Recently I was trawling the rich archives over at the excellent Monevator site when I came across this article about what it feels like to finally be mortgage free. Now unfortunately we’re not mortgage free yet, but we have been over paying our mortgage1 relentlessly for the last 4 and a bit years. Though I…

  • Why I’m Selling Bank Shares

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    Under The Money Tree
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    With the upcoming IPO of  TSB banking stocks are on the mind of many private investors. While many private investors have no doubt been mulling over the prospectus I have also been thinking about the banking sector from an investment point of view. The chart below shows the credit spreads of the iTraxx Snr Financials Index…

  • Simple Ways to Cut Your Expenses

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    Under The Money Tree
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    Most of my writing to date on this blog has centred around the many strategies, techniques and pitfalls I endure with regards to my savings and investments. However a less discussed but equally important part of the Money Tree is ensuring a tight lid is kept on costs. There are a million and one ways…

  • Buy to Let Investing – The Low Risk Way

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    Under The Money Tree
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    Buy to let investing divides peoples opinions massively here in the UK. Over the last few years disillusionment with the pension system in this country has caused many (including myself) to incorporate buy to let properties into their retirement planning. For many years now rising property prices, low interest rates, tax relief on mortgage interest…

  • Get on Top Of Your Tax Return

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    Under The Money Tree
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    Recently I watched in horror as my mother in law was trying to work out what income and expenses she has had over the last few years on a property which she jointly owns but has been renting out. Hearing tales of her requesting 9 years worth of bank statements and scratching around in the…

  • How Much Income will Your NISA Produce?

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    Under The Money Tree
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    Despite religiously tracking my net worth, the main metric I tend to focus on when evaluating my portfolio is the income that it generates. After all it is the portfolio income that will one day pay my bills and keep me in Werther Originals. Monevator has written an excellent article on targeting your current monthly income as…

  • The NISA Rules

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    Under The Money Tree
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    Disclaimer: Even though NISAs don’t go live for another 2 months (June 2014) this articles refers to ISAs by their new name, NISAs. Why the government felt they needed to re-brand ISAs I will never know! NISAs form a key part of my investment portfolio and plans to retire early. Particularly in these times of…

  • The Passive Income Myth

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    Under The Money Tree
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    Blogsphere seems to be obsessed about the concept of passive income. If you listen to many of the bloggers out there then passive income is the secret (and only true path)  to early retirement. My idea when creating this site was to chronicle and document my thoughts as I continue to grow my Money Tree. In…

  • London’s Forever Blowing Bubbles

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    Under The Money Tree
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    There’s a lot in the press right now about London’s housing bubble. It’s no secret that property prices in the capital have been rocketing. Most of press stories out there seem to be blaming rich Arabs or Chinese who are allegedly snapping up the whole of West London. If you believe the papers the bubble…

  • Investing Styles: A 20 Punch Portfolio

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    Under The Money Tree
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    The other evening I was watching some videos online showing various Warren Buffet speeches he’s given both on TV and at various events over the years. As you’d expect they are packed full of good financial advice (such as avoid debt, leverage and always try and keep your capital safe, stick to what you know…