The playbook to make 2026 your year.

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In this episode of the Money Gains Podcast I'm breaking down a practical 12-week action plan covering everything from conducting a financial review to automating your money management.

We talk about why personal finance is deeply personal and provide actionable steps for increasing income and capturing cashback opportunities that could save you over £1,000 a year.

This is the CHATGPT Prompt >>

“Here are my last 3 months of bank transactions. Please analyse them and categorise every transaction into 3 categories:

1. Fixed expenses
2. Discretionary spending
3. Debt payments

Then:

– Calculate my average monthly spending in each category

– Identify areas where I may be overspending compared to typical averages (e.g., transport, subscriptions, eating out)

- Highlight any merchants or transactions you’re not sure about so we can make a decision on these together

– Estimate my potential savings rate (based on income vs spending) and explain it as if you are analysing a business’ profit vs loss”

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👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212

🔗 https://www.trading212.com/join/MGP

If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.

(Capital at risk when you invest)

---------

Gains App launches in a few weeks.

It's an AI-powered budgeting and cashback app designed to help you make more of your money.

Every single person who joins the Gains app waitlist has a chance to win their shopping paid for an entire year.

Join here 👉 https://gainsapp.com/

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✅ Why reviewing three months of bank statements reveals the hidden spending leaks that keep you broke

✅ How the three-bank automation system removes willpower from money management

✅ Why building an emergency fund before investing gives you the freedom to handle financial emergencies

✅ How the debt snowball method creates quick psychological wins

✅ Why asking for a pay rise has only three outcomes

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DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success.

This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.

Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz

Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇

🔗 https://upthegains.co.uk/investing-checklist

There's more to the Budget than the headlines.

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In this episode of the Money Gains Podcast we welcome award-winning journalist and bestselling author Joe Mayes to the show.

We discussed the intense pressures faced by the Chancellor, why there's so much uncertainty about economic policies and ran through some interactive scenarios from Joe's book, Can You Run the Economy?

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👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212

🔗 https://www.trading212.com/join/MGP

If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.

(Capital at risk when you invest)

---------

Gains App launches in a few weeks.

It's an AI-powered budgeting and cashback app designed to help you make more of your money.

Every single person who joins the Gains app waitlist gets entered to win their shopping paid for an entire year.

Join here 👉 https://gainsapp.com/

---------

Can You Run The Economy? on Amazon https://amzn.eu/d/67ADU4l

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✅ Why Rachel Reeves raised taxes despite having a £4 billion surplus

✅ How the budget front-loads spending benefits whilst back-loading tax increases

✅ Why every chancellor faces impossible choices between bad and worse options

✅ How financial markets can force a chancellor from office immediately

✅ Why learning to think like a chancellor makes you better with your own money

---------

DISCLAIMER:
This video is meant for educational purposes and should not be considered financial advice. When you invest your capital is at risk. Past performance is not a guarantee of future success.

This video description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.

Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz

Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇

🔗 https://upthegains.co.uk/investing-checklist

They promised growth - did this Budget deliver?

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In this special UK Budget episode of the Money Gains Podcast we welcome best-selling author Andrew Craig and Brian Byrnes, Head of Personal Finance at Moneybox, back to the show.

We discussed Rachel Reeves' latest Budget and the implications that tax changes will have on you, the economy and the country as a whole.

---------

👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212

🔗 https://www.trading212.com/join/MGP

If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.

(Capital at risk when you invest)

---------

Gains App launches in a few weeks.

It's an AI-powered budgeting and cashback app designed to help you make more of your money.

Every single person who joins the Gains app waitlist gets entered to win their shopping paid for an entire year.

Join here 👉 https://gainsapp.com/

---------

Andrew Craig & Plan English Finance https://www.youtube.com/@PlainEnglishFinance

Moneybox https://www.moneyboxapp.com/

---------

✅ Why spending increases create an unsustainable deficit

✅ How fiscal drag will push more workers into higher-rate tax brackets by 2031

✅ Why Australian retirees have 5-7 times more pension wealth than Brits

✅ How the UK stock market and entrepreneurship is suffering

✅ Why nothing changes immediately despite the headlines

---------

DISCLAIMER:
This video is meant for educational purposes and should not be considered financial advice. When you invest your capital is at risk. Past performance is not a guarantee of future success.

This video description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.

Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz

Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇

🔗 https://upthegains.co.uk/investing-checklist

This is what really matters if you want to be free.

---------

In this episode of the Money Gains Podcast we welcome Jason Graystone to the show.

Jason shares his journey to achieving financial freedom at just 30 years old, spending a week with Richard Branson on Necker Island and revealing why most people are optimising for the wrong version of freedom.

---------

👉🏼 Get a FREE FRACTIONAL SHARE worth up £100 when you deposit £1 with Trading 212

🔗 https://www.trading212.com/join/MGP

If you don't receive the free fractional share - head to the menu and put the word 'MGP' into the promo code section.

(Capital at risk when you invest)

---------

Gains App launches in a few weeks.

It's an AI-powered budgeting and cashback app designed to help you make more of your money.

Every single person who joins the Gains app waitlist gets entered to win their shopping paid for an entire year.

Join here 👉 https://gainsapp.com/

---------

Jason online https://jasongraystone.com/

Always Free on:

Amazon https://amzn.to/3K03q5Z

Audible (UK) https://www.audible.co.uk/pd/Always-Free-Audiobook/B0G15SS9L4

Audible (US) https://www.audible.com/pd/Always-Free-Audiobook/B0G161CVWS

---------

✅ Why 91% of Brits hate their job

✅ How to achieve financial freedom in 10-20 years

✅ Why you should never grow your money at a rate your mindset can't keep up with

✅ How to separate making money from building freedom

✅ Why billionaires spend their time climbing rocks and riding bikes

---------

DISCLAIMER:
This video is meant for educational purposes and should not be considered financial advice. When you invest your capital is at risk. Past performance is not a guarantee of future success.

This video description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.

Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz

Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇

🔗 https://upthegains.co.uk/investing-checklist

Are the Government about to get this all wrong?

---------

Check out Plum https://upthegains.co.uk/visit-plum-partner/

(When you invest your capital is at risk. Past performance is not a guarantee of future success. Investments can go up and down in value. Lifetime ISAs can be used for a first home purchase or towards retirement)

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In this episode of the Money Gains Podcast we welcome Rajan Lakhani, Head of PR & Comms at Plum to the show.

Rajan explains why Rachel Reeves' proposed cash ISA reforms might not achieve their intended goal of boosting UK investment, the psychological barriers preventing people from investing, and the Lifetime ISA trap affecting London buyers.

---------

👉🏼 Get a FREE FRACTIONAL SHARE worth up £100 when you deposit £1 with Trading 212

🔗 https://www.trading212.com/join/MGP

If you don't receive the free fractional share - head to the menu and put the word 'MGP' into the promo code section.

(Capital at risk when you invest)

---------

Gains App launches in a few weeks.

It's an AI-powered budgeting and cashback app designed to help you make more of your money.

Every single person who joins the Gains app waitlist gets entered to win their shopping paid for an entire year.

Join here 👉 https://gainsapp.com/

---------

✅ Why most Britons oppose cash ISA changes

✅ How gamification locks in saving habits

✅ Why automation solves the psychological barriers to saving

✅ How the £450,000 Lifetime ISA cap traps London first-time buyers

✅ Why your pension investment feels safe but your ISA terrifies you

---------

DISCLAIMER:
This video is meant for educational purposes and should not be considered financial advice. When you invest your capital is at risk. Past performance is not a guarantee of future success.

This video description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.

Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz

Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇

🔗 https://upthegains.co.uk/investing-checklist

This is why workplace stress is affecting more than just your health.

---------

Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇

🔗 https://upthegains.co.uk/investing-checklist

---------

In this episode of the Money Gains Podcast we welcome Bianca Errigo from Human OS to the show.

Bianca shares groundbreaking insights into how chronic workplace stress creates invisible financial leaks, why 63% of 18-34 year-olds are worried about their finances, and how the resilience crisis amongst young people is fundamentally changing workplace dynamics

---------

👉🏼 Get a FREE FRACTIONAL SHARE worth up £100 when you deposit £1 with Trading 212

🔗 https://www.trading212.com/join/MGP

If you don't receive the free fractional share - head to the menu and put the word 'MGP' into the promo code section.

(Capital at risk when you invest)

---------

👉🏼 We're delighted to welcome TIDE as a sponsor for the show.

OFFER - Get £100 Cashback when you deposit £5,000 within 30 days (T&C's Apply)

🔗 https://www.tide.co/offers/gains/

---------

Bianca on Instagram https://www.instagram.com/biancaerrigocoaching/

Bianca on LinkedIn https://www.linkedin.com/in/biancaerrigo/

HumanOS online https://humanos.co.uk/

---------

✅ Why chronic workplace stress creates a self-perpetuating financial trap that affects your sleep, cognitive bandwidth, and ultimately your earning potential

✅ How under-30s have 30% lower resilience than any other age group

✅ Why giving 110% across everything leads to burnout and actually slows your progress

✅ How 80-90% of neurotransmitters are manufactured in your gut

✅ Why checking your phone before brushing your teeth is exhausting you by 11am

---------

DISCLAIMER:
This video is meant for educational purposes and should not be considered financial advice. When you invest your capital is at risk. Past performance is not a guarantee of future success.

This video description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.

Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz

Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇

🔗 https://upthegains.co.uk/investing-checklist

Society is splitting in two - which side you're on will determine your financial future.

---------

Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇

🔗 https://upthegains.co.uk/investing-checklist

---------

In this episode of the Money Gains Podcast we welcome James Gerrard to the show.

James is a property investor, business owner and speaker with a unique view on the current economic landscape and how the middle class is effectively vanishing.

---------

👉🏼 Get a FREE FRACTIONAL SHARE worth up £100 when you deposit £1 with Trading 212

🔗 https://www.trading212.com/join/MGP

If you don't receive the free fractional share - head to the menu and put the word 'MGP' into the promo code section.

(Capital at risk when you invest)

---------

👉🏼 We're delighted to welcome TIDE as a sponsor for the show.

OFFER - Get £100 Cashback when you deposit £5,000 within 30 days (T&C's Apply)

🔗 https://www.tide.co/offers/gains/

---------

James on Instagram https://www.instagram.com/jamesgerrard/

James online https://www.james-gerrard.com/

---------

✅ Why your family home is a lifestyle purchase, not an investment

✅ How institutional investors like Blackstone are creating the biggest generational buying opportunity in decades

✅ Why Prime Central London property has crashed 38% since 2014

✅ How to enter property investing with zero capital

✅ Why the TIDED framework is pushing up the "drawbridge" between asset owners and wage earners

---------

DISCLAIMER:
This video is meant for educational purposes and should not be considered financial advice. When you invest your capital is at risk. Past performance is not a guarantee of future success.

This video description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.

Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz

Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇

🔗 https://upthegains.co.uk/investing-checklist

These are easy ways to pay for your Christmas shopping and expenses.

-----------

Join the waitlist for my new app GAINS.

👉🏼 https://gainsapp.com/

Every person who joins the waitlist gets the chance to have their food shopping paid for an entire year.

Yep, you read that right.

----------

Other cashback providers mentioned:
TopCashback 👉🏼 https://www.topcashback.co.uk/ref/sammieellardking

-----
Take My Money Personality Quiz (Get A Free Action Plan) 👉🏼 https://upthegains.co.uk/quiz

---------

👉🏼 Get a FREE FRACTIONAL SHARE worth up £100 when you deposit £1 with Trading 212

🔗 https://www.trading212.com/join/MGP

If you don't receive the free fractional share - head to the menu and put the word 'MGP' into the promo code section.

(Capital at risk when you invest)

---------

👉🏼 We're delighted to welcome TIDE as a sponsor for the show.

OFFER - Get £100 Cashback when you deposit £5,000 within 30 days (T&C's Apply)

🔗 https://www.tide.co/offers/gains/

---------

DISCLAIMER:
This video is meant for educational purposes and should not be considered financial advice.

This video description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.

Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz

Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇

🔗 https://upthegains.co.uk/investing-checklist