Complete Investing – Newsletter #4 · Complete Investing Skool

Complete Investing – Newsletter #4

Living Month to Month — And How to Break Out of It for Good.

Before we get into money tips, investing strategies or wealth building, we need to talk about something far more important:

Your day-to-day financial survival.

Because the truth is brutal:

Nearly half of UK workers are living month to month… one unexpected bill away from stress, panic, or debt. And from my experience? That number feels even higher.

I’ve lived month to month for long periods, been stressed to bits over money and constantly anxious. It’s not a good feeling!

But here’s what nobody tells you:

You’re not stuck because you’re bad with money. You are stuck because the system is designed to keep you there.

Today’s newsletter isn’t about theory. It's not about budgeting apps you’ll never use. It's not about feeling guilty every time you spend £3 on a coffee.

It’s about a simple UK-friendly system that protects your sanity, builds stability, and finally gets you ahead.

MARKET CONDITIONS & LATEST NEWS

A lot of people here in the UK won’t give a toss about market conditions because they are living month to month. But for me. It’s important to keep up to date with whats going on so you can invest in the best way possible and so you can protect your financial future.

The markets are dominated by silver, gold, geopolitical tensions and of course Trump saying whatever he wants. But underneath all the noise, I’m confident that the macro conditions are about to change in our favour.

I’m confident that those of us who are into crypto, will benefit over the next 3-6 months. Our patience will be rewarded, and we’ll be able to take profits.

For anyone new to this community, let me know if you are into crypto or not. This skool community is about investing in general. But as I’ve said in recent weeks, the priority over the next few months will be crypto investing. Then we’ll focus on long term investing with stocks, index funds, property and crypto – basically anything that will help us hedge against inflation.

Market news

*Bitcoin FALLS below $83,000

*Ethereum drops sharply below $3,000

*Crypto market-wide selloff intensifies, with total market cap dipping

*Crypto stocks sink heavily, with Coinbase extending losses for multiple sessions to its weakest level since May, as bitcoin risk-off rattles the sector

*Global markets crash, including crypto, stocks, tech

*SEC and CFTC chiefs push united crypto oversight front, signaling regulatory harmonization efforts amid ongoing legislation talks

*S&P 500 closes lower multiple sessions, dragged by Microsoft tanking (software/AI valuation fears) and broader tech weakness

*Nasdaq and tech shares slide on earnings reactions, with Microsoft down sharply amid slower cloud growth and AI spending concerns

*Geopolitical tensions (e.g., Greenland, tariffs threats, Venezuela/U.S. developments)

*Precious metals surge (gold/silver to records), signaling defensive positioning as stocks and crypto sell off

*Fed holds rates steady, contributing to crypto pullback below key levels like $90K for BTC

*Earnings pressure hits mega-caps, with Microsoft, software names, and some tech underperforming, while others (e.g., Meta) show resilience

*Rotation trade in stocks away from mega-tech continues, with regional banks and other sectors showing weakness.

*Higher volatility expected ahead, tied to upcoming Fed signals, big tech earnings and potential US government shutdown

MINDSET

Either you have a plan for your money or someone else has a plan for your money.

And in the UK, someone else usually means:

Klarna
Uber Eats
Deliveroo
Netflix, Disney+, Amazon Prime
Your overdraft
Your credit card interest

Everything in this country is designed to automatically separate you from your money.Unless you flip the system.

I lived month to month for years before 2019. Not because of laziness. Because of a lack of financial education and terrible emotional habits.

That changed for me with two things:

Financial literacy
Automatic systems

And this newsletter is exactly that — your automatic system.

Let’s break down 5 steps that are mentioned constantly in the investing and personal finance books I’ve read over the last 6-7 years:

STEP 1 — PAY YOURSELF FIRST

This is the rule that separates people who stay stuck from people who break free.

Most people:

Pay rent
Pay food
Pay bills
Pay subscriptions
Live their life
THEN hope something is left at the end of the month

And nothing is ever left.

Lifestyle creep eats everything.

This was me before 2019.

The fix?

Flip the order:

Pay yourself first (automatically).
THEN live on what's left.

If you’re UK-based, this means:

Workplace pension (free employer contributions + tax relief)
SIPP if you’re Ltd company
Stocks & Shares ISA if you want flexibility (my personal favourite)

Simple. Automatic. Boring.But life-changing.

STEP 2 — BUILD YOUR EMERGENCY FUND

You can’t build wealth if everything keeps knocking you backwards.Your emergency fund isn’t “saving money” — it’s protecting your sanity.

I didn’t have one during my negative decade (2008–2018). And I paid the price emotionally.

What an emergency fund gives you:

No panic when something breaks
No overdraft fees
No credit card spiral
Breathing space
Confidence
Choice

THE CHALLENGE: £10/day for 100 days

By the end, you’ve got your first £1,000 buffer.

Put it in a:

High-interest savings account
Or money market fund inside an ISA

This one buffer removes 80% of month-to-month stress.

STEP 3 — AUTOMATE EVERYTHING

Humans don’t have a spending problem. They have a system problem.

Most people manage money manually:

Remember bills
Transfer money
Hope for discipline
React to expenses

This creates anxiety and chaos.

But the companies taking your money?Everything is automated.Your Netflix, phone bill, Klarna — all of it.

So it’s time to copy the system.

Automate these four things:

Bills (direct debit on payday)
Savings (standing order into emergency fund)
Investing (automatic ISA or pension contributions)
Spending money (move weekly allowance into separate account)

Automation is how wealthy people stay wealthy…and how stressed people get unstuck.

STEP 4 — DESTROY DEBT (THE SMALLEST-FIRST METHOD)

Debt is emotional, not mathematical. And the fastest way out is paying the smallest debt first — not the highest interest.

Why smallest first?

Quick wins - motivation
Motivation - momentum
Momentum - debt disappears

Your UK Debt Plan:

List every debt
Pay the smallest balance first
Minimums on everything else
Roll payments into the next debt
Automate all payments
Move due dates to payday (yes — UK banks allow this)

This step has changed more lives than any investment strategy.

STEP 5 — INVEST CONSISTENTLY FOR FREEDOM

This is where freedom comes from — not high salaries.

The UK has two main wealth engines:

Stocks & Shares ISA / Pensions
Property

You don’t need to pick stocks. You don’t need to take risky bets. You don’t need crypto-level volatility.

You only need:

Consistency
Patience
Automation
Simple diversified funds

Even £50–£100/month compounds into something life-changing over decades.Your document breaks this down beautifully.

You are one decision away from a different life.

The moment you decide:

“I’m done living month to month.”

Everything changes.

Your stress drops. Your confidence rises. You start to feel in control.

You don’t need perfection. You just need to start.

TECHNICAL ANALYSIS FOR BITCOIN

I haven’t looked at Trading View for weeks and it’s felt good. The same goes for coinmarketcap I’ve hardly been checking and its been good for me.

Here are some quick checks:

50-Day Moving Average: Price is trading below the 50-day SMA = BEARISH

200-Day Moving Average: Price is trading below the 200-day SMA = BEARISH

RSI: Currently 30

Fear & Greed Index: 28

Bitcoin Dominance: 58.7%

EDUCATION – FINANCIAL LITERACY – FINANCIAL FREEDOM…

So you can live life on your own terms.

Understand inflation and compound interest you invest into assets.

Invest in the S+P 500 and you can POTENTIALLY be financially free in like 25 or 30 years..

Invest into Bitcoin and crypto and you can POTENTIALLY be financially free in like 10 years.

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