Nice Guy Money - Freddie Winter

22/03/2026

Can’t remember the last time I was genuinely proud of myself 🙌🏼

I think it’s easy to set high expectations for yourself or always be comparing yourself upwards that you don’t appreciate your accomplishments.

Today though, I’m honestly so pleased with what I’ve achieved 🙌

In my local 20 mile race 🏃‍♂️ I did far better than I was expecting and was delighted I was able to dig in and get a time even better than my most optimistic predictions 💪

I certainly wasn’t setting any course records but I don’t care. I bettered myself. I surprised myself ✨

I took on a challenge and did it ✅

Makes me think that I — and maybe people in general — don’t stop and appreciate how far they’ve come and what they achieve.

Maybe it’s British modesty 🇬🇧 or the fact there is always someone better, faster, stronger.

However we should!

Happy Sunday everyone 😊 I’m now going to enjoy another well‑earned beer 🍺 and lots of pizza 🍕🍕

Freddie

05/03/2026

What is a ‘High-paid’ job these days❓

I was asked for comment for Metro in today’s article 📰

My view is that the old £100k mark is no longer high-paid. Do you agree?? 🤔

The clients I provide financial advice to at this level of income, who have kids and a mortgage, are hardly cruising financially.

Times have changed. Life is more expensive.

Do you agree❓

Read the fully article in my Stories.

Freddie Winter
Chartered Financial Planner

23/12/2025

MONEY TIP No. 1️⃣2️⃣

If you don’t plan to do things, they never happen.

And before you know it, it’s too late ⏰

Plan for those big things and get your finances aligned accordingly.

Thank you for following the 12 Christmas Money Tips - let me know which you’re going to be doing?

Freddie

✨ Chartered Financial Planner✨

👉🏼Follow me for more at

💻 Find out more about what I do at gratitudefp.co.uk

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My posts and social media content are for education and guidance only. When investing capital is at risk.
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22/12/2025

MONEY TIP No. 1️⃣1️⃣

This is the tip that everyone puts off, have you❓

All it needs is probably an hour chat with a solicitor or Will writer.

Get it done, don’t leave things in a mess for your loved ones. It’s not fair.

Keep following for more tips during the rest of this month 👍🏻

Freddie

✨ Chartered Financial Planner✨

👉🏼Follow me for more at

💻 Find out more about what I do at gratitudefp.co.uk

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My posts and social media content are for education and guidance only. When investing capital is at risk.
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21/12/2025

MONEY TIP No. 🔟

❌ Do NOT think: “It will never happen to me!”

It happens and it can ruin people and families financially!

You need cover for death and illness so you have reassurance if the worst happens.

Just covering the mortgage = NOT ENOUGH.

Just relying on employee or state benefits = NOT ENOUGH.

Keep following for more tips during the rest of this month 👍🏻

Freddie

✨ Chartered Financial Planner✨

👉🏼Follow me for more at

💻 Find out more about what I do at gratitudefp.co.uk

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My posts and social media content are for education and guidance only. When investing capital is at risk.
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20/12/2025

MONEY TIP No. 9️⃣

This is a key rule to always follow throughout life.

⭐ Short term money = Savings accounts

⭐ Long term money = Investment accounts (Stocks & Shares ISAs and Pensions)

Savings do not generate enough of a return over the long run and if you know (or it is highly likely) you won’t need the money it should be invested.

The difference in returns over 5, 10, 20+ years historically has been enormous!

Keep following for more tips during the rest of this month 👍🏻

Freddie

✨ Chartered Financial Planner✨

👉🏼Follow me for more at

💻 Find out more about what I do at gratitudefp.co.uk

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My posts and social media content are for education and guidance only. When investing capital is at risk.
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19/12/2025

MONEY TIP No. 8️⃣

The money tip that sooo many people miss…

This tip alone is worth £1,000s by the time you reach retirement.

Probably £10,000 to a lot of people 💰💰💰

Now not all employers offer it but if you are fortunate enough that yours does, then PLEASE, PLEASE, take advantage of it 🙏🏻

Keep following for more tips during the rest of this month 👍🏻

Freddie

✨ Chartered Financial Planner✨

👉🏼Follow me for more at

💻 Find out more about what I do at gratitudefp.co.uk

———————
My posts and social media content are for education and guidance only. When investing capital is at risk.
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18/12/2025

MONEY TIP No. 7️⃣

This sounds like a faff, but it’s the best money tip I ever followed.

Just makes tracking your spending soo much easier 😇

And don’t underestimate how important that is to feeling better about your finances and having better finances!!

Keep following for more tips during the rest of this month 👍🏻

Freddie

✨ Chartered Financial Planner✨

👉🏼Follow me for more at

💻 Find out more about what I do at gratitudefp.co.uk

———————
My posts and social media content are for education and guidance only. When investing capital is at risk.
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17/12/2025

Christmas Would You Rather 🎅🏻 🤔 🎄

Save for Christmas every month thoughout the year? 🐖 🎅🏻

Or

Wing it! and worry about it in January? 💸 🤶🏻

Do you budget for Christmas or are you too carefree for that❓

COMMENT YOUR ANSWERS 👇🏻👇🏻👇🏻

Feel free to message me if you have any questions❓

Freddie

✨ Chartered Financial Planner ✨

👉🏼Follow me for more at

💻 Find out more about what I do at gratitudefp.co.uk

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My posts and social media content are for education and guidance only. When investing capital is at risk.
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16/12/2025

MONEY TIP No. 6️⃣

Get out of your own way, when growing your wealth ⚔️

You want as little thought and effort when it comes to saving as possible.

The more you have to do, the less you will save - FACT.

Like all good habits, you want the least friction as possible 😇

The best way I know to do this is automating savings each month.

No thought, no admin, just saving £1,000s without thinking! ✅✅✅

Get your saving standing orders and investing direct debits set up ASAP!!

Keep following for more tips during the rest of this month 👍🏻

Freddie

✨ Chartered Financial Planner✨

👉🏼Follow me for more at

💻 Find out more about what I do at gratitudefp.co.uk

———————
My posts and social media content are for education and guidance only. When investing capital is at risk.
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15/12/2025

MONEY TIP No. 5️⃣

Debt, it will kill all your goals and future plans unless you kill it first! 💪🏻

If you have high interest debt you need to make a commitment to pay it off. Interest going to credit cards and lenders is such a massive waste of your hard earned money. 🙅🏻‍♂️

Write down all your different debts, amounts and interest rates and make a plan to pay them off. ✅

Either start with the smallest debt and work up or start with the one with the highest interest. Once one is paid off, divert those payments you were making to pay off the next debt and so on.

The fact is you can’t have a bright financial future if you're being weighed down with expensive debt 😟

Keep following for more tips during the rest of this month 👍🏻

Freddie

✨ Chartered Financial Planner✨

👉🏼Follow me for more at

💻 Find out more about what I do at gratitudefp.co.uk

———————
My posts and social media content are for education and guidance only. When investing capital is at risk.
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14/12/2025