FIREside chat with Patrick

Quirk Team
July 30, 2020

What personality type did you get? Did you find the results to be accurate? 

I got The Artist. I would agree with a lot of it, free spirited, likes to do things differently, money is important but not everything. However it said that I am not much of an investor, which is not very accurate :)

What inspired you to start? For completely new readers, what is the “tl;dr” of your brand? What kind of content have you created, so the readers have an idea of what to expect!

My goal as a coach is to help others save time, money and energy by giving them the knowledge, tools and strategies to completely take control of their money.

It took me YEARS to sift through the good, the bad and downright ugly money advice out there.

My content centres around implementing good financial systems into your life which run on autopilot. I also focus a lot on how you can use money as a tool to construct the life you want to live. There is much more to life than having your head in a spreadsheet!

What is your relationship with personal finance? - If applicable, how has that defined your current pursuits? What changes have you made that have helped? How has it changed over time?

I used to have really bad money habits, credit card and student debt, making minimum payments for years and having no savings! However, I was able to do a complete 180 and it completely changed my life! The biggest change has been automating my money, meaning an automatic transfer to savings, investments and credit card payments every month. Once you set this up, it runs in the background and you don't actually need to do anything, just watch your net worth grow!

What are some things that worked for you for maintaining balance and managing your spending?

Financial Friday Reviews! I don't like the word budget, I prefer the word spending performance. Every Friday I look at my app that tracks my spending performance. I take 5 minutes to tag my spending into the right categories and another 5 minutes just to glance at where my money went that week. If I spent well, great, carry on. If not, I look at what I can adjust for the following week. It's kind of similar to the way athletes review their stats to improve on field performance, I review my spending stats to improve my spending performance going forward.

What’s the worst money advice you’ve ever received?

Take out a personal loan to finance a ballin' vacation...

What do you most enjoy spending on? Or any guilty pleasure you can share. 

Business class flights over 4 hours (within Europe I am not fussed) or delicious craft beers!

How often do you check your finances?

One time per week for about 10 minutes (see Financial Friday Review above). I set a calendar reminder at 9am every Friday to make sure it's a top priority before the day gets going.

What’s your stack?

- Natwest account (personal and business) - regular banking

- Monzo - If I need to micromanage money for any reason

- Revolut Card (Use when travelling only!)

- AMEX credit card with BA flight reward points

- ISA investment account & pension account all in Vanguard (one platform for my investments)

- Money Dashboard app to track it all!

For someone who is starting completely new to personal finance, how would they get started? What specific tips would you have for newbies?

Start educating yourself now. I would start with some books and blogs. Here are a few of my favorites (The Simple Path To Wealth, I Will Teach You To Be Rich - bad title, great book, Choose FI podcast, Millennial Revolution blog). If you want an actionable tip, it would be to set financial goals. Once you know where you want your money to go, you can then move onto building a system that helps you get there.

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