Serious saving made simple, practical and memorable...
Change your mindset
Track your finances
Plan for financial independence
Select your investments
Transfer your money
...with all the useful details nobody else bothers with
Saving Made Simple
Learn how you can save and invest quickly, cheaply and flexibly. Invest like you’re dead, so you can get on with living a fantastic life.
The most successful long-term savers don’t touch their money once it’s invested. And out of everyone, the people who truly excel at doing nothing are the dead. So next time you worry about what the stock market is doing, think “What would a dead person do?”.
If you’re bored by personal finance books and numbed by numbers, this is the place for you.
Join Our Community
Get our articles first – practical and memorable advice on saving your money and avoiding financial pitfalls.
We won’t share your email with third parties and will never spam you.
Start Here
If you’re new to saving and investing, click the button to get started with 10 simple steps to Financial Independence.
Blog: Simple investing
The Unbiased Guide to Offshore Investing for Expats
Discover how to invest in stock and bond funds (ETFs) as an expat – cheaply, quickly and sensibly. Maximise your saving power while you work abroad!
How to tame your monkey mind – the psychology of saving & investing
I have found a way for people to save and invest cheaply and flexibly. All that remains is to get your psychology handled. This is simple, but not easy. You have to train your brain to accept that yes, you will become great with money, you will stick to the path and you won’t let your monkey mind get in the way.
You can do it! A very concise guide to investing sensibly by yourself
Here’s a complete overview of investing by yourself, from mindset to transaction fees. If you go it alone, you’re going to have to find some knowledge and discipline. It’s worth it though, to avoid the hidden fees and exit penalties in the plans sold by most UAE banks and financial advisors. It has never been easier to invest cheaply and effectively by yourself.
Blog: Saving - debt, income & expenses
How to avoid drowning in debt and escape forever from the debt swamp
I’m proud to serve on The Debt Panel of The National newspaper in the UAE, but it can be depressing. Almost every question is from someone who has over-loaded themselves with debt and cannot see a way out. This week’s question was a classic example of this.
Blog: Terrible savings plans (and how to avoid them)
UAE: gratuities, allowances and what makes a good employee saving scheme
The end of service gratuity is a relic of the old UAE that, along with the one/two rent cheque, hasn’t quite gone the way of
Why don’t people trust financial advisors?
Click to listen to Steve debate the trustworthiness of financial advisors… with the king of financial advisors. Recently the CFA Institute (which oversees the Chartered
What to do if your nest egg is locked up in a savings plan
Reader question – what to do if you find yourself trapped in a long-term savings plan.
Having invested into equity and bond funds over the last two years I can no longer put money regularly into my savings plan. I have some US$100,000 invested. What should I do?