Financial freedom university – the day after

I just spent 3 days with a lovely bunch of freaks. I’m not normal in my frugal life, I know this as when I talk to anyone about Finance they just glaze over. So to get to spend my time with “others just like me” is always a joy, talking money and finance and business and success. We spent time learning about what we value and what we focus on, what we feed to give our juicy life meaning. I got to play a bongo drum within an orchestra of other ffu’ers teaching me that I can’t do this thing called life all by myself, I need a team around me to make the best kind of music.

I love to invest my money in my education, travelling and ETF’s.

I’m learning how to spread bet which is a massive learning curve, mostly its about mindset and teaching my brain to not react in the flight or fight mode when my share price falls, it’s not about winning and losing, its about pattern recognition and risk management.

I’ve always been a saver, but after reading Rich Dad Poor Dad and Transforming Debt into Wealth 12 years ago, my life changed. I remortgaged my home and bought an investment property, I set up our family budget for monthly expenses and set to work sticking to my plan. I was determined to be free of debt and earn income from assets instead of trading my time for money. It was a a-ha moment. 2 years ago I became debt free including my mortgage, I’d achieved my goal in 10 years. These last 2 years of no money worries has been life changing. I have an emergency fund, which meant that when my husband hurt his back last year and had 6 weeks off work, we had enough to live off without any problems. I can finally sleep at night without that constant worry.

I discovered the FIRE movement and the philosophy of spending less than you earn, investing in low cost Index funds through my stocks and shares ISA and pension and creating assets.

Ann Wilson The Wealth Chef, also teaches us about using assets to earn money, it’s the best form of income. If you can’t work you have assets that support you. Spending 3 days in her positive energy was amazing, I’m so happy to have had this chance.


Financial Freedom University

silver and gold coins

Photo by Pixabay on

Wealthy Your Way

What’s up folks, I’m posting on my blog that’s what’s up… wonders will never cease.

Tomorrow is the start of the 3 fun filled days of FFU Live London 2018

In the last 12 years I’ve discovered that there are 3 strategies for earning money:

1. Trading your time for money, used by 96 percent of the population. It’s the worst kind of way to earn money. It never works because you run out of time.

Doesn’t matter how effective you are, or how much you earn in an hour, you’re going to run out of time.

2. Invest your money to earn money. If you’re going to invest money, you really need to know what you’re doing or go to somebody that has proved that they know what they’re doing.  This is where The Wealth Chef Ann Wilson comes in.

3. Setting up multiple sources of income. This is used by one percent of the population, and they hold 96 percent of all the world’s wealth.  I want to earn money while I am sleeping and it’s never been easier than it is today with the Internet. This is where The Wealth Chef Ann Wilson comes in and this is why I’m attending FFU for the next three days.

I’m going to post updates and photos from the three days, looking forward to meeting all the lovely FFU’ers.

For anybody that wants to learn more about FFU and Ann Wilson head over to her website, she gives tonnes of free stuff away as well as her paid for training.

Ann Wilson The Wealth Chef


Stock Market Trading – progress?

anto chart 6-4-17


So here is a chart I have been looking at due to it being on the watchlist, and I want to see if I can trade this correctly.
My trade analysis goes something like this:>

1. FTSE is in an up trend and so is this share
2. Sector – Mining – is in a bit of a side way movement at the moment, but generally in an Up trend
3. Main chart behaviour – Up trend

4. Trend lines – up trend line and the last resistance line 865 and the previous resistance line 840 – watching for a break back up through 840 then there could be a move of over 100 as the drop so far could go back up to the High of the year of 904

anto 12-4-17

5. Moving Averages, 20 and 50 Exponential, it should be above them in an uptrend
6. Chart patterns looking for reversals or continuations
7. Indicators should be showing buy signals or sell signals. Volumne should be 2 times bigger than normal, MACD 5,35,5 should be accelerating up or down
8. Conclusion – don’t buy it yet, have to wait for it to bounce off the trend line, or break through it.

Stock Market Trading

So I’m at it again.  What?  I’m attempting to start trading in the stock market again.  Four years ago I went on a two-day training course that taught me all about spread betting.  I then spent four weeks losing money and fretting and worrying and sleepless nights chasing down the elusive perfect trade.

What?  I’m attempting to start trading in the stock market again.  Four years ago I went on a two-day training course that taught me all about spread betting.  I then spent four weeks losing money and fretting and worrying and sleepless nights chasing down the elusive perfect trade.

Four years ago I went on a two-day training course that taught me all about spread betting. I then spent four weeks losing money, and fretting, and worrying, and sleepless nights, chasing down the elusive perfect trade.


Yes, you heard me right, I’m attempting to start trading in the stock market again, but this time will be different, as I am a completely different person now.

I had four sessions with a professional Forex trader who analyzed my bodged trades, pointing out the mistakes I’d made, and how to correct them moving forward.

Well, how did I do?  I’ll tell you.  I gave up and retreated into my cupboard of doom never to return to the trading platform again, or I did return to the trading platform one more time after I received an email from them saying that the final £9.50 in my account had been written off because I hadn’t done any trading in that year, oh! the final insult.

So now what?

So now I have attended another two-day stock market investment course, thinking this time it’ll be different because I have my head in the right place. Well, most of the two days were taken up with the very nice gentleman talking about how wonderful his life is now that he is a multi-millionaire, bully for you, he then went on to say about how he had turned his life around with stock market trading, spending years learning and crafting his skill.

Well I’m in the right place then surely?

The very nice gentleman tried to convince a room full of eighty people that he could take us on his apprenticeship course for £9000 and he would ensure we earnt one million pounds under his guidance.  It won’t be easy, it’s a lot of hard work, but we would get there with his wisdom and under his millionaire wing.

Well, did you sign up?

No, I faltered, I was trying to look at the £9000 as an investment in my abilities to follow orders.  But, I know me, I don’t do following orders very well, I’m a maverick, or something ending with “ick” at any rate.

I came home feeling a little light headed, have I dodged a bullet or have I passed up the opportunity of a life time?

So Monday morning arrives and there is an email in my inbox, I get about one hundred a day, so I wasn’t surprise to see emails per say, but this one said, “I’ve held a place for you Michelle”, so this time I hit the credit card and joined her.

Oh yes, I signed up to Financial Freedom University, Ann Wilson and her team will guide me through the world of personal finance so I can become financially free hopefully, so won’t feel a complete failure for not parting with the £9000 for the very nice gentleman’s trading course.

I am very optimistic, I’ve completed the first module, and so far so good, but I am only two days in, so watch this space.


Well hello there little one, I’ve been waiting for you for so long, and now you’ve arrived.

I must say you are not what I was expecting, I’m not very baby orientated, I always think babies are ugly little weird looking things, but then you….

Your eyes are so big and you are looking at me with a puzzled look, little brow furrowed like newly tilled field.  What are you looking at? Have you spotted something over there?  Your Daddy is over there, look.

Can you hold my finger, do you want to hold my finger?  There you go, you’ve clung on now.  Such little tiny perfect fingers, like my fingers, only teenie tiny.  Your finger nails are so perfect, like seashells on the beach, so clean.

I want you to know you are loved beyond measure, I will protect you from everything, your life before mine, always and forever.

New edition of Writing Magazine

Oh, I love it, that time of month when the new edition drops onto my doormat.

This month I can look forward to 40 great ideas to fuel my creativity.

An insider’s guide to crime writing.

Story telling secrets of this year’s Oscar winners.

But the bit that I can’t wait to devour is Joanne Harris’s article – Write the book YOU want.

Oh, hurry up bedtime, I can’t wait to snuggle up with a cup of hot chocolate, a piece of apple pie and Writing Magazine.

I love it, honest gov would I lie to you?


How to become a successful writer

I always fancied being a writer but had no idea where to start.  I tried a correspondence course in 1994, spent £500, received all these lovely books and then tried to write a novel.  Now that novel never did get very far, work became busy and I bought a new house that needed complete renovation, and then I had my daughter in 1996, so the novel went into hibernation, I’d often think about it with fond memories hoping to see it again one day.