Kieran's Money Muse
@kieransmoneymuse.bsky.social
💰 Smart money tips, real stories & UK finance insights
📊 Helping you grow wealth and spend smarter
🎯 No jargon, just real life money advice
📊 Helping you grow wealth and spend smarter
🎯 No jargon, just real life money advice
🧾 An incorrect tax code could mean you paying too little or too much £££ if you're not paying attention
📌 Your tax code tells your employer how much tax to take
📌 You can check it on your payslip or the HMRC app
Go check your code today and make sure you’re paying the right amount
📌 Your tax code tells your employer how much tax to take
📌 You can check it on your payslip or the HMRC app
Go check your code today and make sure you’re paying the right amount
May 9, 2025 at 6:40 AM
🧾 An incorrect tax code could mean you paying too little or too much £££ if you're not paying attention
📌 Your tax code tells your employer how much tax to take
📌 You can check it on your payslip or the HMRC app
Go check your code today and make sure you’re paying the right amount
📌 Your tax code tells your employer how much tax to take
📌 You can check it on your payslip or the HMRC app
Go check your code today and make sure you’re paying the right amount
💸 I keep my current account close to £0 on purpose… here’s why 👇
When there’s “extra” money sitting there, I feel rich and spend like it. But that balance isn’t real — bills, credit cards, and savings come first.
This stops impulse spending and keeps me on track financially.
When there’s “extra” money sitting there, I feel rich and spend like it. But that balance isn’t real — bills, credit cards, and savings come first.
This stops impulse spending and keeps me on track financially.
May 8, 2025 at 7:01 AM
💸 I keep my current account close to £0 on purpose… here’s why 👇
When there’s “extra” money sitting there, I feel rich and spend like it. But that balance isn’t real — bills, credit cards, and savings come first.
This stops impulse spending and keeps me on track financially.
When there’s “extra” money sitting there, I feel rich and spend like it. But that balance isn’t real — bills, credit cards, and savings come first.
This stops impulse spending and keeps me on track financially.
💸 Here’s how I spent £10k in April 👀
From a big holiday booking to topping up my pension with extra contracting income
I share this to show how I manage my personal finances in a way that meets my financial goals, not to brag
From a big holiday booking to topping up my pension with extra contracting income
I share this to show how I manage my personal finances in a way that meets my financial goals, not to brag
May 7, 2025 at 6:39 AM
💸 Here’s how I spent £10k in April 👀
From a big holiday booking to topping up my pension with extra contracting income
I share this to show how I manage my personal finances in a way that meets my financial goals, not to brag
From a big holiday booking to topping up my pension with extra contracting income
I share this to show how I manage my personal finances in a way that meets my financial goals, not to brag
More than half of first-time buyers now rely on the bank of mum and dad 🏡💸
Is that a sign of support or a broken system?
Before you buy, ask yourself:
🔍 Can I afford the ongoing costs of owning a home?
💷 Am I just buying because I feel I “should”?
🌍 Would renting offer me more freedom right now?
Is that a sign of support or a broken system?
Before you buy, ask yourself:
🔍 Can I afford the ongoing costs of owning a home?
💷 Am I just buying because I feel I “should”?
🌍 Would renting offer me more freedom right now?
May 6, 2025 at 6:49 AM
More than half of first-time buyers now rely on the bank of mum and dad 🏡💸
Is that a sign of support or a broken system?
Before you buy, ask yourself:
🔍 Can I afford the ongoing costs of owning a home?
💷 Am I just buying because I feel I “should”?
🌍 Would renting offer me more freedom right now?
Is that a sign of support or a broken system?
Before you buy, ask yourself:
🔍 Can I afford the ongoing costs of owning a home?
💷 Am I just buying because I feel I “should”?
🌍 Would renting offer me more freedom right now?
Earning just above a tax threshold? You could be paying more tax than it’s worth 😩💸
Here’s how to reduce your taxable income legally and keep more of your hard-earned money 💰
✅ Pay more into your pension
✅ Use salary sacrifice schemes
Small tweaks big savings 🚀
Here’s how to reduce your taxable income legally and keep more of your hard-earned money 💰
✅ Pay more into your pension
✅ Use salary sacrifice schemes
Small tweaks big savings 🚀
April 30, 2025 at 6:47 AM
Earning just above a tax threshold? You could be paying more tax than it’s worth 😩💸
Here’s how to reduce your taxable income legally and keep more of your hard-earned money 💰
✅ Pay more into your pension
✅ Use salary sacrifice schemes
Small tweaks big savings 🚀
Here’s how to reduce your taxable income legally and keep more of your hard-earned money 💰
✅ Pay more into your pension
✅ Use salary sacrifice schemes
Small tweaks big savings 🚀
What I wish I could tell my 21-year-old self about money, work and life 💬
✅ Start small with investing
✅ Think long-term
✅ Climbing the corporate ladder may not be right for you
✅ Don’t rush into buying property
✅ There’s plenty of time to earn money, enjoy the ride too
✅ Start small with investing
✅ Think long-term
✅ Climbing the corporate ladder may not be right for you
✅ Don’t rush into buying property
✅ There’s plenty of time to earn money, enjoy the ride too
April 24, 2025 at 6:57 AM
What I wish I could tell my 21-year-old self about money, work and life 💬
✅ Start small with investing
✅ Think long-term
✅ Climbing the corporate ladder may not be right for you
✅ Don’t rush into buying property
✅ There’s plenty of time to earn money, enjoy the ride too
✅ Start small with investing
✅ Think long-term
✅ Climbing the corporate ladder may not be right for you
✅ Don’t rush into buying property
✅ There’s plenty of time to earn money, enjoy the ride too
📉 Bull vs 🐂 Bear Markets: What You Need to Know
Markets go 📈 up and 📉 down, but understanding the difference between a bull and bear market can help you stay confident, invest smarter, and avoid emotional decisions. Long-term thinking always wins.
#bullmarket #bearmarket
Markets go 📈 up and 📉 down, but understanding the difference between a bull and bear market can help you stay confident, invest smarter, and avoid emotional decisions. Long-term thinking always wins.
#bullmarket #bearmarket
April 19, 2025 at 7:37 AM
📉 Bull vs 🐂 Bear Markets: What You Need to Know
Markets go 📈 up and 📉 down, but understanding the difference between a bull and bear market can help you stay confident, invest smarter, and avoid emotional decisions. Long-term thinking always wins.
#bullmarket #bearmarket
Markets go 📈 up and 📉 down, but understanding the difference between a bull and bear market can help you stay confident, invest smarter, and avoid emotional decisions. Long-term thinking always wins.
#bullmarket #bearmarket
The ONE thing to do if you're struggling to get control of your finances 💥💳
If you want to build wealth or get better with money, focus on clearing high-interest debt first.
Credit cards and loans with high rates act like quicksand — dragging you back every time you try to move forward.
If you want to build wealth or get better with money, focus on clearing high-interest debt first.
Credit cards and loans with high rates act like quicksand — dragging you back every time you try to move forward.
April 18, 2025 at 7:03 AM
The ONE thing to do if you're struggling to get control of your finances 💥💳
If you want to build wealth or get better with money, focus on clearing high-interest debt first.
Credit cards and loans with high rates act like quicksand — dragging you back every time you try to move forward.
If you want to build wealth or get better with money, focus on clearing high-interest debt first.
Credit cards and loans with high rates act like quicksand — dragging you back every time you try to move forward.
Buying a Home in the UK? Start Here 🏡📋
1️⃣ Define your criteria using “Must, Should, Could”
2️⃣ Get a Decision in Principle
3️⃣ Search and view properties
4️⃣ Make an offer
5️⃣ Apply for your mortgage
6️⃣ Book your survey
7️⃣ Let solicitors handle conveyancing
8️⃣ Exchange and complete
1️⃣ Define your criteria using “Must, Should, Could”
2️⃣ Get a Decision in Principle
3️⃣ Search and view properties
4️⃣ Make an offer
5️⃣ Apply for your mortgage
6️⃣ Book your survey
7️⃣ Let solicitors handle conveyancing
8️⃣ Exchange and complete
April 18, 2025 at 7:01 AM
Buying a Home in the UK? Start Here 🏡📋
1️⃣ Define your criteria using “Must, Should, Could”
2️⃣ Get a Decision in Principle
3️⃣ Search and view properties
4️⃣ Make an offer
5️⃣ Apply for your mortgage
6️⃣ Book your survey
7️⃣ Let solicitors handle conveyancing
8️⃣ Exchange and complete
1️⃣ Define your criteria using “Must, Should, Could”
2️⃣ Get a Decision in Principle
3️⃣ Search and view properties
4️⃣ Make an offer
5️⃣ Apply for your mortgage
6️⃣ Book your survey
7️⃣ Let solicitors handle conveyancing
8️⃣ Exchange and complete
Understanding Loan to Value Can Save You Thousands 🏡📉
Here’s why LTV matters:
📌 Banks offer better interest rates at lower LTVs
📌 Lower LTV = lower monthly payments and long-term interest savings
📌 Increasing your LTV slightly might only cost you a small amount more each month
Here’s why LTV matters:
📌 Banks offer better interest rates at lower LTVs
📌 Lower LTV = lower monthly payments and long-term interest savings
📌 Increasing your LTV slightly might only cost you a small amount more each month
April 16, 2025 at 6:44 AM
Understanding Loan to Value Can Save You Thousands 🏡📉
Here’s why LTV matters:
📌 Banks offer better interest rates at lower LTVs
📌 Lower LTV = lower monthly payments and long-term interest savings
📌 Increasing your LTV slightly might only cost you a small amount more each month
Here’s why LTV matters:
📌 Banks offer better interest rates at lower LTVs
📌 Lower LTV = lower monthly payments and long-term interest savings
📌 Increasing your LTV slightly might only cost you a small amount more each month
Renting > Buying? For Some, Absolutely 🏠
✅ Flexibility
💸 Fewer surprise costs
📈 More options to invest
📉 No risk of negative equity
✅ Flexibility
💸 Fewer surprise costs
📈 More options to invest
📉 No risk of negative equity
April 15, 2025 at 7:02 AM
Renting > Buying? For Some, Absolutely 🏠
✅ Flexibility
💸 Fewer surprise costs
📈 More options to invest
📉 No risk of negative equity
✅ Flexibility
💸 Fewer surprise costs
📈 More options to invest
📉 No risk of negative equity
Want a Pay Rise? Here’s How I Prep for Pay Review Season 💼📈
Here’s how I give myself the best shot at securing a raise:
🧠 Track your wins monthly
📊 Link your results to wider business performance
🗣️ Speak with confidence and stay constructive
💷 Research your market value
Here’s how I give myself the best shot at securing a raise:
🧠 Track your wins monthly
📊 Link your results to wider business performance
🗣️ Speak with confidence and stay constructive
💷 Research your market value
April 14, 2025 at 9:28 AM
Want a Pay Rise? Here’s How I Prep for Pay Review Season 💼📈
Here’s how I give myself the best shot at securing a raise:
🧠 Track your wins monthly
📊 Link your results to wider business performance
🗣️ Speak with confidence and stay constructive
💷 Research your market value
Here’s how I give myself the best shot at securing a raise:
🧠 Track your wins monthly
📊 Link your results to wider business performance
🗣️ Speak with confidence and stay constructive
💷 Research your market value
The Truth About Building Wealth 💰🚀
Building wealth isn’t just about earning more. It’s about what you do with what you earn.
✅ Long-term, consistent action always beats short-term hype
✅ Spending less than you earn
✅ Flashy doesn’t mean wealthy
✅ Protect your progress with the right safety nets
Building wealth isn’t just about earning more. It’s about what you do with what you earn.
✅ Long-term, consistent action always beats short-term hype
✅ Spending less than you earn
✅ Flashy doesn’t mean wealthy
✅ Protect your progress with the right safety nets
April 13, 2025 at 7:08 AM
The Truth About Building Wealth 💰🚀
Building wealth isn’t just about earning more. It’s about what you do with what you earn.
✅ Long-term, consistent action always beats short-term hype
✅ Spending less than you earn
✅ Flashy doesn’t mean wealthy
✅ Protect your progress with the right safety nets
Building wealth isn’t just about earning more. It’s about what you do with what you earn.
✅ Long-term, consistent action always beats short-term hype
✅ Spending less than you earn
✅ Flashy doesn’t mean wealthy
✅ Protect your progress with the right safety nets
Money Should Free You, Not Trap You 💸❤️
If your money habits are making life feel restrictive, it’s time to rethink. Personal finance isn’t just about saving and investing, It’s about building a life you actually love.
If your money habits are making life feel restrictive, it’s time to rethink. Personal finance isn’t just about saving and investing, It’s about building a life you actually love.
April 12, 2025 at 6:58 AM
Money Should Free You, Not Trap You 💸❤️
If your money habits are making life feel restrictive, it’s time to rethink. Personal finance isn’t just about saving and investing, It’s about building a life you actually love.
If your money habits are making life feel restrictive, it’s time to rethink. Personal finance isn’t just about saving and investing, It’s about building a life you actually love.
The Media Gets Investing So Wrong 📉📰
The dramatic headlines. The footage of analysts shouting on trading floors.
It all reinforces the idea that investing is for “finance bros” in suits, not regular people like you and me.
The dramatic headlines. The footage of analysts shouting on trading floors.
It all reinforces the idea that investing is for “finance bros” in suits, not regular people like you and me.
April 11, 2025 at 6:46 AM
The Media Gets Investing So Wrong 📉📰
The dramatic headlines. The footage of analysts shouting on trading floors.
It all reinforces the idea that investing is for “finance bros” in suits, not regular people like you and me.
The dramatic headlines. The footage of analysts shouting on trading floors.
It all reinforces the idea that investing is for “finance bros” in suits, not regular people like you and me.
The new financial year is here 💸
✅ Your allowances have reset, plan how to use them before you lose them
✅ Review your money goals like financial resolutions
✅ Check your rates, banks love to change rates at this time of year 🧐
✅ Bills are going up—cancel, switch or haggle
✅ Your allowances have reset, plan how to use them before you lose them
✅ Review your money goals like financial resolutions
✅ Check your rates, banks love to change rates at this time of year 🧐
✅ Bills are going up—cancel, switch or haggle
April 10, 2025 at 6:49 AM
The new financial year is here 💸
✅ Your allowances have reset, plan how to use them before you lose them
✅ Review your money goals like financial resolutions
✅ Check your rates, banks love to change rates at this time of year 🧐
✅ Bills are going up—cancel, switch or haggle
✅ Your allowances have reset, plan how to use them before you lose them
✅ Review your money goals like financial resolutions
✅ Check your rates, banks love to change rates at this time of year 🧐
✅ Bills are going up—cancel, switch or haggle
💸How To Beat Lifestyle Creep 🚫
The more you earn, the more you want to spend… but that’s how wealth slips through your fingers 💨 Here's how I stay in control:
✅ Automate my savings
✅ Upgrading the things that are important to me
✅ Budget for fun without guilt 🎉
#LifestyleCreep
The more you earn, the more you want to spend… but that’s how wealth slips through your fingers 💨 Here's how I stay in control:
✅ Automate my savings
✅ Upgrading the things that are important to me
✅ Budget for fun without guilt 🎉
#LifestyleCreep
April 9, 2025 at 6:45 AM
💸How To Beat Lifestyle Creep 🚫
The more you earn, the more you want to spend… but that’s how wealth slips through your fingers 💨 Here's how I stay in control:
✅ Automate my savings
✅ Upgrading the things that are important to me
✅ Budget for fun without guilt 🎉
#LifestyleCreep
The more you earn, the more you want to spend… but that’s how wealth slips through your fingers 💨 Here's how I stay in control:
✅ Automate my savings
✅ Upgrading the things that are important to me
✅ Budget for fun without guilt 🎉
#LifestyleCreep
🎯 Know your WHY before you save💰
Saving without a purpose? It’s easy to avoid saving/investing and dipping into these pots.
I split my goals into short-term (holidays ☀️ and gifts 🎁) and long-term (like my desire to retire early 🧓🏽⏳
Saving without a purpose? It’s easy to avoid saving/investing and dipping into these pots.
I split my goals into short-term (holidays ☀️ and gifts 🎁) and long-term (like my desire to retire early 🧓🏽⏳
April 8, 2025 at 7:02 AM
🎯 Know your WHY before you save💰
Saving without a purpose? It’s easy to avoid saving/investing and dipping into these pots.
I split my goals into short-term (holidays ☀️ and gifts 🎁) and long-term (like my desire to retire early 🧓🏽⏳
Saving without a purpose? It’s easy to avoid saving/investing and dipping into these pots.
I split my goals into short-term (holidays ☀️ and gifts 🎁) and long-term (like my desire to retire early 🧓🏽⏳
📆 New Financial Year Checklist – 5 things to do today! 💸
1️⃣ Check your credit report
2️⃣ Review your full financial picture (use my tracker in bio)
3️⃣ Understand your 2025 allowances
4️⃣ Audit your spending + rising bills
5️⃣ Set clear financial goals for the year
1️⃣ Check your credit report
2️⃣ Review your full financial picture (use my tracker in bio)
3️⃣ Understand your 2025 allowances
4️⃣ Audit your spending + rising bills
5️⃣ Set clear financial goals for the year
April 7, 2025 at 6:33 AM
📆 New Financial Year Checklist – 5 things to do today! 💸
1️⃣ Check your credit report
2️⃣ Review your full financial picture (use my tracker in bio)
3️⃣ Understand your 2025 allowances
4️⃣ Audit your spending + rising bills
5️⃣ Set clear financial goals for the year
1️⃣ Check your credit report
2️⃣ Review your full financial picture (use my tracker in bio)
3️⃣ Understand your 2025 allowances
4️⃣ Audit your spending + rising bills
5️⃣ Set clear financial goals for the year
💸 How to maximise your bonus 💸
If you’re lucky enough to receive a bonus, consider sacrificing it into your pension instead of taking it as cash.
You’ll avoid paying income tax and national insurance on that amount meaning more of it goes towards your future 💷
If you’re lucky enough to receive a bonus, consider sacrificing it into your pension instead of taking it as cash.
You’ll avoid paying income tax and national insurance on that amount meaning more of it goes towards your future 💷
April 6, 2025 at 7:00 AM
💸 How to maximise your bonus 💸
If you’re lucky enough to receive a bonus, consider sacrificing it into your pension instead of taking it as cash.
You’ll avoid paying income tax and national insurance on that amount meaning more of it goes towards your future 💷
If you’re lucky enough to receive a bonus, consider sacrificing it into your pension instead of taking it as cash.
You’ll avoid paying income tax and national insurance on that amount meaning more of it goes towards your future 💷
📉 Why EVEN NOW is a good time to invest!
It’s not about timing the market—it’s about consistency 🔁
I’m not investing now because the market’s down 📉. I’m dollar cost averaging because it helps me stay consistent ✅, reduce risk ⚖️, and avoid emotional decisions 😰
It’s not about timing the market—it’s about consistency 🔁
I’m not investing now because the market’s down 📉. I’m dollar cost averaging because it helps me stay consistent ✅, reduce risk ⚖️, and avoid emotional decisions 😰
April 5, 2025 at 7:03 AM
📉 Why EVEN NOW is a good time to invest!
It’s not about timing the market—it’s about consistency 🔁
I’m not investing now because the market’s down 📉. I’m dollar cost averaging because it helps me stay consistent ✅, reduce risk ⚖️, and avoid emotional decisions 😰
It’s not about timing the market—it’s about consistency 🔁
I’m not investing now because the market’s down 📉. I’m dollar cost averaging because it helps me stay consistent ✅, reduce risk ⚖️, and avoid emotional decisions 😰
💸 The £100k Income Trap – It’s not all wins at six figures 💸
Earning over £100,000 sounds like a milestone… but it can actually cost you more than you think.
Not only does your personal allowance start to disappear, you also lose access to some tax-free childcare 😬
Earning over £100,000 sounds like a milestone… but it can actually cost you more than you think.
Not only does your personal allowance start to disappear, you also lose access to some tax-free childcare 😬
April 4, 2025 at 6:46 AM
💸 The £100k Income Trap – It’s not all wins at six figures 💸
Earning over £100,000 sounds like a milestone… but it can actually cost you more than you think.
Not only does your personal allowance start to disappear, you also lose access to some tax-free childcare 😬
Earning over £100,000 sounds like a milestone… but it can actually cost you more than you think.
Not only does your personal allowance start to disappear, you also lose access to some tax-free childcare 😬
💰 March Income Breakdown! 💰
I made sure to fill up my ISA before the reset with the new tax year around the corner! 🚀 Here’s how I allocated my income this month to stay on top of my finances. 📊
Are you making the most of your allowances before April 6th? Let me know below! 👇
I made sure to fill up my ISA before the reset with the new tax year around the corner! 🚀 Here’s how I allocated my income this month to stay on top of my finances. 📊
Are you making the most of your allowances before April 6th? Let me know below! 👇
April 3, 2025 at 6:32 AM
💰 March Income Breakdown! 💰
I made sure to fill up my ISA before the reset with the new tax year around the corner! 🚀 Here’s how I allocated my income this month to stay on top of my finances. 📊
Are you making the most of your allowances before April 6th? Let me know below! 👇
I made sure to fill up my ISA before the reset with the new tax year around the corner! 🚀 Here’s how I allocated my income this month to stay on top of my finances. 📊
Are you making the most of your allowances before April 6th? Let me know below! 👇
📉 Stop Checking, Start Growing! 📈
I used to check my investment accounts way too often and guess what? It didn’t make my money grow faster! 🤦♂️ Watching every market dip only fuels anxiety. Now, I focus on the long-term game and check less often, because time in the market beats timing the market!
I used to check my investment accounts way too often and guess what? It didn’t make my money grow faster! 🤦♂️ Watching every market dip only fuels anxiety. Now, I focus on the long-term game and check less often, because time in the market beats timing the market!
April 1, 2025 at 7:53 AM
📉 Stop Checking, Start Growing! 📈
I used to check my investment accounts way too often and guess what? It didn’t make my money grow faster! 🤦♂️ Watching every market dip only fuels anxiety. Now, I focus on the long-term game and check less often, because time in the market beats timing the market!
I used to check my investment accounts way too often and guess what? It didn’t make my money grow faster! 🤦♂️ Watching every market dip only fuels anxiety. Now, I focus on the long-term game and check less often, because time in the market beats timing the market!
🥪 Inflation at Pret is WILD! 😳
I love a good lunch out, but when a simple meal at Pret costs more than £10, I have to ask, is it really worth it? 🤔 Meanwhile, a Tesco Meal Deal still hits for £3-£5. Easy choice! 💰
Would you rather Pret or a Meal Deal? Drop your pick below! 👇
I love a good lunch out, but when a simple meal at Pret costs more than £10, I have to ask, is it really worth it? 🤔 Meanwhile, a Tesco Meal Deal still hits for £3-£5. Easy choice! 💰
Would you rather Pret or a Meal Deal? Drop your pick below! 👇
March 31, 2025 at 6:59 AM
🥪 Inflation at Pret is WILD! 😳
I love a good lunch out, but when a simple meal at Pret costs more than £10, I have to ask, is it really worth it? 🤔 Meanwhile, a Tesco Meal Deal still hits for £3-£5. Easy choice! 💰
Would you rather Pret or a Meal Deal? Drop your pick below! 👇
I love a good lunch out, but when a simple meal at Pret costs more than £10, I have to ask, is it really worth it? 🤔 Meanwhile, a Tesco Meal Deal still hits for £3-£5. Easy choice! 💰
Would you rather Pret or a Meal Deal? Drop your pick below! 👇