Just a little more
Your horizon, your buffer, your debt position — they're in the right place.
Your disposable income at the end of each month may be low, but if you have significant savings — greater than 12 months’ expenses — then you can consider shifting some of it to investments.
Otherwise, how much you have left at the end of the month is the one thing holding you back from investing properly. After all expenses, there isn't much surplus to work with. But "not much" and "nothing" aren't the same thing — and the gap between them is exactly where your first investment comes from.
When money is tight, investing can feel like something you'll get to "later," once you earn more. The problem is that "later" never comes. Waiting to earn more before you start is the most common reason people never start at all.
Most people have no idea where their money goes. It may shock you to see where your hard-earned cash ends up — the subscriptions you forgot you had, the takeaways that felt small at the time. The "nice-to-haves" that quietly add up to more than you'd guess.
This isn't about going without. It's about choosing on purpose. When you can see your spending clearly, you can decide — deliberately — to redirect a small slice of it toward your future instead of letting it leak away. For most people, finding the first £25 or £50 a month to invest isn't about earning more. It's about seeing clearly.
The Spending Snapshot
Drop your income and your monthly spending into one simple Excel tab:
Your essentials vs your nice-to-haves — the spending you can't move, and the spending you can. Most people are surprised by the size of the second section.
Your redirectable amount — the slice you could choose to send toward saving and investing instead, without touching anything that actually matters to your life.
No judgement, no budgeting lectures. Just a clear picture of where your money actually goes — and where your first investment could come from.
When you can see exactly where your money goes — and where a first investment could come from — the next step is First Step Investor: a two-week course that takes you from "I know I should invest" to a completed Personal Investment Plan and your first real investment made. I'm building it module-by-module, and waitlist members get first access at special launch pricing.
Get the Snapshot and find your first investment hiding in plain sight.
Once last thing. Your answer to Q5 (What’s been stopping you?):