41 | UK 🇬🇧 Stop wasting money. Start building wealth 💸➡️📈 UK money tips | Investing | Cashback Simple methods. Real life hacks.
Portsmouth, England
Joined February 2026
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👋 NEW HERE? LET ME INTRODUCE MYSELF.
I'm Frazer, the face behind FinanceFraz.
I've spent 20 years working in banking, and now I share the money tips, tricks and opportunities I wish more people knew about.
Here's what you'll find on this page:
💰 Saving money & budgeting
📈 Investing, ISAs & pensions
🏡 Mortgages & paying off debt
💸 Cashback & bank switching
🚀 Side hustles & making extra money
I'm not here pretending I've got everything figured out.
I share what I do, what I learn and the little things that can make a big difference to your finances.
My aim is simple:
Make money less stressful and help more people keep hold of it.
If you're into making your money work harder, you're in the right place.
Give me a follow and let's make some financial progress together. 👊
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The UK economy just grew 0.7% in three months. Fastest in about two years.
Andy Burnham called it "welcome news".
Quick honest poll 👇
Does it feel like that in your house?
Bank Rate's just gone up and the January energy cap lands by 25 Nov, so I know my answer.
6%✅ Yes, we're better off
31%😐 About the same
61%📉 Worse than last year
3%🤷 What's GDP?
36 votes • 21 hours 1
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HMRC is about to read all your ChatGPT chats 👀
Respectfully… that's the headline. I'm not sure it's the law.
The story kicked off again this evening. One side says the Budget Bill lets HMRC demand AI chats. Another says the draft doesn't even mention AI or ChatGPT, and HMRC already uses language about "computer records".
I haven't read the bill, so I won't pretend I have.
If you used ChatGPT to work out a tax question this year, would you be comfortable handing that chat over?
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"Your £93 delivery shift is under minimum wage" 🤔
A few of you said this. Respectfully… it isn't.
£93 for 6 hours is £15.50 an hour.
Minimum wage is BEFORE tax. Nobody on a salary knocks off their tax and their commute, then compares that to minimum wage.
So why do we do it to side hustles?
Yes, I pay for fuel, tax and insurance out of it. Same as anyone pays to get to work.
And I still do it because:
• It fits around the school run
• No boss, no meetings
• It gets me out the house. Working from home on your own gets lonely
Compare like for like, before or after costs. Not one of each.
Watched @MartinSLewis last night and felt the same as a lot of you.
Uncomfortable.
We shouldn't be talking about 'heat the human' in 2026.
But here's the honest maths from MSE's guide:
🛏️ Electric blanket: about 2.6p an hour 🔥 Hot water bottle: about 5p a fill
🧤 USB gloves: under 1p an hour.
In our house it's layers first, heating on when our daughter's home. Not proud, not ashamed. Just budgeting.
What's your heating rule this winter?
£93 last week from the delivery side hustle, about 6hrs.
£42 from @UberEats
£42 from @JustEatUK
£9 from @Deliveroo
Next to no traffic as I did it over lunch time so beat the school run and dark evenings
After fuel, tax & insurance it's more like £55. Still beats sitting on the sofa doom scrolling.
Morning X friends 👋☕
Today’s Roundup 👇
📈 UK shares had a lovely bounce yesterday as oil prices eased. Fingers crossed that starts to feel kinder at the petrol pump and on our bills.
💧 Thames Water's rescue talks are back in the news, with creditors working on a plan. Fingers crossed it gets sorted in a way that's fair for everyone.
🏦 Monzo is in talks to raise a big chunk of money at around a £7bn value. Not bad for the bank with the bright coral cards!
⚽ And Man United look set to part ways with Michael Carrick after a tricky start. Feels like a big week at Old Trafford.
How's your week starting, and is anyone else keeping half an eye on their energy bill this winter? I’ve just had to re fix at a higher rate 🥺
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Some wild figures in these estimates 😮
When does ‘Cost of Living’ become a budgeting issue??
In England, if you earn £35,100 a year with this budget:
- No Netflix etc
- £75 a week on food
- No eating out or holidays abroad
- Rent a modest flat
- Run a basic car
Monthly outgoings:
- £950 rent
- £350 council tax, gas, electricity and water
- £325 food
- £300 car
- £200 fuel
- £50 phone and internet
- £75 clothes, toiletries and household essentials
- £100 debt repayments
- £375.50 Income Tax
- £150.20 National Insurance
£2,875.70 gone.
Saving just £49.30 & working full-time earning £35,100 a year and still barely getting by.
It's over for the UK. 🇬🇧
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Morning lovely people 👋☕ Hope you had a cosy weekend!
🏦 The big banks (HSBC, NatWest, Barclays, Lloyds) are keeping AI bots out of our accounts for now. Nice to know someone's looking after our money while the tech catches up 🙌
💷 Fewer new jobs are being advertised, but starting pay is going up. Lovely news if you're thinking about a move or asking for a pay rise.
🤖 The AI world is still buzzing, with huge money flying around and Meta's AI shopping assistant coming to the UK soon.
⚽ Man United were 4-2 down to Villa and drew 4-4 with a header in the 96th minute! Football, eh? 😅
Would you ever let an AI app manage your money? Tell me below 👇
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Morning lovely people 👋☕
📈 Markets were a bit better yesterday! Only finished about £100 down this week after that brutal Thursday
⚽ Everton came from behind to beat Coventry 3-1 last night, Thierno Barry with two and an assist. 16pts for FPL but I don’t have him 🥺
⚽ More football today: Leeds vs Spurs at 12.30, Arsenal vs Hull, then Forest vs City later on
💙 On here I share simple chat about saving, investing, mortgages, cashback and side hustles.
I’m so close to 4,000 followers — a follow or share would mean the world
Who are you cheering on this weekend? 👇😊
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The last 48hrs have been absolutely wild after I posted this including getting some abuse along the way for my life choices, letting my family down, my hair cut, my diet, the fact I shouldn’t have this account but what has made everything worth it is this…
I have had 400 new followers in 48hrs which is mind blowing for me and I can’t thank you all enough, the fact you’ve chosen to follow me literally makes this all worth it.
If you’re new around here, I’m Frazer 👋 I share all things personal finance, I keep things simple, relatable and based on real life. No financial jargon, no pretending to be a millionaire!
I share affiliate links as I’ve been lucky enough to link up with quite a few brands now so might be able to help if you are looking for something specifically!
Thank you also to people that have bought me a beer and for the nice comments in my DMs 💙
💷 MY £1,900 PAYDAY BREAKDOWN
I’m 41, a girl dad and trying to get our family finances as organised as possible.
Here’s where my October payday goes:
🏡 £530 – Joint Monzo account for mortgage, council tax and household bills.
💰 £295 – Zopa for Christmas savings, insurance, Sky and credit cards.
📈 £100 – Stocks & Shares ISA. This month I bought Rolls-Royce shares.
🏦 £70 – SIPP for long-term retirement investing.
🛒 £250 – Joint Starling account for food, petrol and family spending.
🏏 £150 – Monzo Flex to cover planned summer fun, including The Ashes.
📋 £105 – Other bills and contributions towards my wife’s bills.
🍻 £200 – My guilt-free fun money for haircuts, football and anything else.
💳 £200 – Split into £50 weekly payments to help control my spending.
Every pound has a job.
It’s not about earning a fortune, it’s about having a plan for what you earn.
How do you organise your payday? 👇
Morning lovely people 👋☕
🏦 The Bank of England nudged rates up to 4% yesterday — the first rise in over three years. If you’re on a tracker mortgage you may see a small bump; savers, keep an eye out for a bit more on your pots.
🛍️ Next said overseas sales were flying, even while UK shopping felt a bit up and down. Always good to see a home name holding its own.
🤖 Big AI firms are promising to listen more to local communities on data centres after voters pushed back — feels like everyday bills and neighbourhoods are finally part of the chat.
⚽ And tonight Frank Lampard brings Coventry to Everton — should be a lovely, emotional one for the home crowd.
How are you feeling about rates and the weekend fixtures?
Who’s your FPL Captain?
Drop a note below, I’d love to hear from you 💙
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UPDATE: Apparently earning £1,900 at 41 means I've made some terrible life choices. 😂
Someone's even taken the time to review my career and tell me where I've gone wrong.
Apparently I've failed at life. Someone better tell my mortgage, bills and daughter because they're all still accepting it quite happily. 🤣
Didn't realise sharing my payday routine would trigger so many unsolicited career advisers.
Anyway, thanks for the engagement. Every view helps pay the bills. Even the ones from the bitter ones. 💷
#ad Controversial opinion: Parents shouldn’t be financially punished for earning more.
Earn over £60k and your Child Benefit starts being clawed back.
Hit £80k and it’s gone completely.
Earn over £100k adjusted net income and you can lose your 30 hours funded childcare AND Tax-Free Childcare.
I’ve recently been working with The Childcare Hack, and it’s opened my eyes to how many parents might be missing out simply because they don’t understand the rules.
The £100k threshold is based on adjusted net income, not just your headline salary. Pension contributions and other factors can make a difference.
That’s where The Childcare Hack report comes in. It checks BOTH parents’ incomes and instantly shows your potential route back to childcare support.
It costs £50, but if there’s no route back, you get a full refund.
You can also get 10% OFF with my code FRAZ.
I’m nowhere near these limits myself, but I think it’s a conversation worth having.
Should parents really be penalised for earning more? 👇
Find out more: thechildcarehack.co.uk/?utm_…
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Morning lovely people 👋☕
🏦 Big one today: at midday we find out if interest rates nudge up to 4%. If you're on a tracker mortgage it could mean a little more each month, but savers might see a touch more on their pots too. Worth a quick look at your deals 💛
📈 UK shares had a lovely day yesterday, and the pound is at its strongest in about seven weeks, handy if you've got a trip planned ✈️
💻 Arm, the UK chip designer, just posted record quarterly sales — lovely to see British tech doing well
⚽ Arsenal and City both won away in Europe last night, but it didn't go Liverpool's way in Istanbul ❤️
Are you fixed, on a tracker, or saving hard right now? Tell me below, I'd love to hear 👇😊
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💷 MY £1,900 PAYDAY BREAKDOWN
I’m 41, a girl dad and trying to get our family finances as organised as possible.
Here’s where my October payday goes:
🏡 £530 – Joint Monzo account for mortgage, council tax and household bills.
💰 £295 – Zopa for Christmas savings, insurance, Sky and credit cards.
📈 £100 – Stocks & Shares ISA. This month I bought Rolls-Royce shares.
🏦 £70 – SIPP for long-term retirement investing.
🛒 £250 – Joint Starling account for food, petrol and family spending.
🏏 £150 – Monzo Flex to cover planned summer fun, including The Ashes.
📋 £105 – Other bills and contributions towards my wife’s bills.
🍻 £200 – My guilt-free fun money for haircuts, football and anything else.
💳 £200 – Split into £50 weekly payments to help control my spending.
Every pound has a job.
It’s not about earning a fortune, it’s about having a plan for what you earn.
How do you organise your payday? 👇
#ad
I’ve just done some shopping with @go_lightyear 👀
Anyone else buying $SPCX in the sales?
If you fancy having a look around the app yourself, use code FINANCEFRAZ to get £10-£100 in free shares in your General Investment Account.
You must be a new user who deposited at least £100 within the first 15 days, see full T&Cs at lightyear.com/financefraz.
Capital at risk. Promotional terms apply.
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#ad Have you seen such a nice graph 🤣
This maps out the ups and down of your portfolio in real money value, not the value of the shares!
Take a look at @go_lightyear 👀
If I’ve lost £20 I want to know I’ve lost £20 not 0.34%!
Makes it so much more easier to understand what’s what!
Capital at risk. Terms apply, not investment advice.
Use code FINANCEFRAZ to get £10-£100 in a fractional share in your General Investment Account.
You must be a new user who deposited at least £100 within the first 15 days, see full T&Cs at lightyear.com/financefraz. Capital at risk. Promotional terms apply.
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