Meet Joshua...

The power of the internet means that now my knowledge can be shared with more than just my friends and colleagues.

What are 3 things people may not know about you?

1) I work as a Commercial Analyst

2) I didn’t go to university

3) My daily commute to work includes FOUR different types of transport!

What motivated / inspired you to start talking about personal finance online?

I was feeling as though I was spending a significant portion of my free time talking to my friends and colleagues about new ways to save money or the latest financial products, and was constantly getting asked questions about how the world of finance works. One day I stumbled upon the finance niche on Instagram and figured that getting involved by creating the blog and Instagram page would be a great way for me to help others and to improve my own financial game. The power of the internet means that now my knowledge can be shared with more than just my friends and colleagues.

What is the one piece of advice that you’d give to people just realising that they need to get their finances in order?

If you’re trying to get a credit card but your application gets rejected, naturally, the temptation is to apply for other cards. However, you should resist the temptation to do so. This is because you will be perceived to be desperate by lenders, so it will have a seriously detrimental impact on your credit score. The right thing to do in this situation (though difficult), is to be patient and leave it a few months after your initial rejection before attempting to apply for credit elsewhere.

Do you have any mentors or people that you follow that have influenced you to be financially educated?

My parents are my influence for being financially educated, as from a young age I was always taught about the value of money from being told to get a job at 16, all the way through to having to pay board when I lived at home and always having to work hard to buy my own things. I wouldn’t say I have any current mentors that I follow online, but that isn’t to say I wouldn’t like to find one in the future.

What do you hope to accomplish by speaking about money online?

I would love to grow my following online, to develop a strong sense of community where everyone can share their own knowledge, thoughts and questions with each other.

If you were given £500k, what would you do with it?

Pay off my mortgage, spend a small portion on a 5* luxury holiday and invest the rest in Big Tech (Legal & General Global Technology Index Trust) hopefully allowing me to retire early!

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Find Joshua here...

Twitter: @investipsuk


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