Income & Work
Starting a small business: the money questions
Cash flow kills more small businesses than lack of profit, and several decisions made at the start are expensive to change.
Income & Work
Negotiation, side income, self-employment and irregular pay.
Income & Work
Retiring: the money decisions that cannot be undone
Several choices made at retirement are irreversible, and free guidance exists that almost nobody uses.
Income & Work
Employment contracts and what to check
Several clauses have significant financial consequences, and almost nobody reads them before signing.
Income & Work
Buying and selling second-hand
The largest available saving on almost every category, with a specific set of risks and a tax dimension people miss.
Income & Work
Contracts, cancellations and consumer rights
A working knowledge of a few rights resolves most disputes, and most people never invoke them.
Income & Work
Working abroad and the money side
Tax residence, social contributions, pensions and banking all change, and several of them have consequences years later.
Income & Work
Redundancy and what to do first
The first two weeks determine a great deal, and several entitlements have deadlines.
Income & Work
Freelance rates and how to set them
Undercharging is the most common reason self-employment fails financially, and the calculation is straightforward.
Income & Work
Changing career and the financial side
A career change is a financial project with a cost, a timeline and a break-even point, and treating it that way makes it possible.
Income & Work
Pensions explained without the jargon
The single highest-return financial decision available to most employees, and the one most commonly ignored.
Income & Work
Working for yourself: the money side
The tax, the pension, the sick pay and the cash flow are all your responsibility, and most people discover this in the first year.
Income & Work
Side income that is worth the effort
Most side hustle advice ignores tax, time and the return per hour, which is where the decision actually sits.
Income & Work
Negotiating a pay rise
Salary compounds across a career, most people never ask, and the preparation matters more than the conversation.