When it comes to time and money and how to spend them, we often make poor choices. BUT it is really hard to know what the better choices are if you never actually measure what you are doing.
Today Nigel and Ray want to share a few things to consider when it comes to measuring where our time and money goes.
No judgement. But an opportunity to choose, if you wish, to do something different.
The areas are:
Drugs
Fast Food
TV Subscriptions
Gambling (article https://apple.news/AHAHhGe2gSwuL2TaSa52x1Q)
Coffee
Alcohol
Smoking/vaping
Phones
Tech (and kids)
Beauty 
Pomodoro technique for focusing!
When you have measured them all for 1-2 weeks, what did you notice?!


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Resources:
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Get your free resource guides - HERE https://www.htrmoney.co.uk/
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Go to the Resources section for links (e.g. for tax inspection insurance via FSB) https://www.htrmoney.co.uk/resources
Join the new HTRM Facebook Group! Here is the link: https://www.facebook.com/groups/htrmoney/
If you would like Ray and Nigel to work with you then get in touch - email us at hello@htrmoney.co.uk
Our website is appearing (slowly!!) HERE or https://www.htrmoney.co.uk/
Email us at hello@htrmoney.co.uk
Before you do anything else, remember that anything Ray or Nigel talk about, share, discuss, etc is for entertainment purposes only. It is not financial, legal or any other advice of any sort! Do not rely on anything we say or share or do because we are doing it for entertainment purposes only. Think of it like this...we are discussing topics that people may like to investigate further; ideas and information that you might want to consider further; and that sort of thing. You should always seek your own independent advice from relevant people such as lawyers and accountants. Although Ray is a qualified solicitor and Nigel is a qualified accountant, we do not have any agreement with you unless expressly and clearly documented in a contract, so please just enjoy our podcast, our info and our content and use it to as a call to action to seek professional and relevant advice specific to you. Does that make sense? Are we clear on this?! If not, then drop us an email and we can tell you the above again! The reason we say this is that everyone's situation is unique and for us to share general content like we do it means it cannot possibly be taken as specific advice just for you. Happy? We certainly hope so.
Now go and review our 'entertainment' podcast and we will love you forever!
Much love and gratitude, Ray and Nigel
PS that link re Nigel losing 14kg in weight - use this affiliate link HERE

#168 - How to Spend Time & Not Money - 1st Step - Measure Them!

The How to Raise Money podcast is for anyone who wants to raise other people’s money for your business or property venture. If you need money this is the podcast for you!
Join Ray (business owner, property investor, angel finance expert, solicitor) and Nigel (business owner, property investor, digital marketer, accountant) as they show you How To Raise Money.

Business

Investing

Careers

Management & Marketing

Business News

Shopping

Is now the right time to be a landlord when it appears that government wants to get rid of you?
Ray and Nigel look behind the dramatic headlines we keep seeing.




You can watch Nigel renovate a lopsided house: ⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@escapetothedreamhouseuk⁠⁠⁠⁠⁠⁠⁠ 
IF YOU NEED HELP:


Get in touch hello@htrmoney.co.uk and talk to us, we may be able to help. A trouble shared is a trouble halved!
Email us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠hello@htrmoney.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
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Before you do anything else, remember that anything Ray or Nigel talk about, share, discuss, etc is for entertainment purposes only. It is not financial, legal or any other advice of any sort! Do not rely on anything we say or share or do because we are doing it for entertainment purposes only. Think of it like this...we are discussing topics that people may like to investigate further; ideas and information that you might want to consider further; and that sort of thing. You should always seek your own independent advice from relevant people such as lawyers and accountants. Although Ray is a qualified solicitor and Nigel is a qualified accountant, we do not have any agreement with you unless expressly and clearly documented in a contract, so please just enjoy our podcast, our info and our content and use it to as a call to action to seek professional and relevant advice specific to you. Does that make sense? Are we clear on this?! If not, then drop us an email and we can tell you the above again! The reason we say this is that everyone's situation is unique and for us to share general content like we do it means it cannot possibly be taken as specific advice just for you. Happy? We certainly hope so.
Now go and review our 'entertainment' podcast and we will love you forever!
Much love and gratitude, Ray and Nigel
PS that link re Nigel losing 14kg in weight - use this affiliate link ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HERE

#228 - Landlords: Govt plans to get rid of you!

Liz Truss tried and failed
Tesco tried (they pulled the wool over your eyes) and succeeded
Is there a lesson in there? Maybe. But there is a joke or two!
You can watch Nigel renovate a lopsided house: ⁠⁠⁠⁠⁠⁠https://www.youtube.com/@escapetothedreamhouseuk⁠⁠⁠⁠⁠⁠ 
IF YOU NEED HELP:


Get in touch hello@htrmoney.co.uk and talk to us, we may be able to help. A trouble shared is a trouble halved!
Email us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠hello@htrmoney.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
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Before you do anything else, remember that anything Ray or Nigel talk about, share, discuss, etc is for entertainment purposes only. It is not financial, legal or any other advice of any sort! Do not rely on anything we say or share or do because we are doing it for entertainment purposes only. Think of it like this...we are discussing topics that people may like to investigate further; ideas and information that you might want to consider further; and that sort of thing. You should always seek your own independent advice from relevant people such as lawyers and accountants. Although Ray is a qualified solicitor and Nigel is a qualified accountant, we do not have any agreement with you unless expressly and clearly documented in a contract, so please just enjoy our podcast, our info and our content and use it to as a call to action to seek professional and relevant advice specific to you. Does that make sense? Are we clear on this?! If not, then drop us an email and we can tell you the above again! The reason we say this is that everyone's situation is unique and for us to share general content like we do it means it cannot possibly be taken as specific advice just for you. Happy? We certainly hope so.
Now go and review our 'entertainment' podcast and we will love you forever!
Much love and gratitude, Ray and Nigel
PS that link re Nigel losing 14kg in weight - use this affiliate link ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HERE

#227 - Liz Truss, Tesco & Raising Money [There is a joke in there somewhere]

High Street Banks...and er...
Not many people know alternative sources of finance so Nigel and Ray reveal a number of little known ways to raise money.
You can watch Nigel renovate a lopsided house: ⁠⁠⁠⁠⁠⁠https://www.youtube.com/@escapetothedreamhouseuk⁠⁠⁠⁠⁠⁠ 
IF YOU NEED HELP:


Get in touch hello@htrmoney.co.uk and talk to us, we may be able to help. A trouble shared is a trouble halved!
Email us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠hello@htrmoney.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
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Before you do anything else, remember that anything Ray or Nigel talk about, share, discuss, etc is for entertainment purposes only. It is not financial, legal or any other advice of any sort! Do not rely on anything we say or share or do because we are doing it for entertainment purposes only. Think of it like this...we are discussing topics that people may like to investigate further; ideas and information that you might want to consider further; and that sort of thing. You should always seek your own independent advice from relevant people such as lawyers and accountants. Although Ray is a qualified solicitor and Nigel is a qualified accountant, we do not have any agreement with you unless expressly and clearly documented in a contract, so please just enjoy our podcast, our info and our content and use it to as a call to action to seek professional and relevant advice specific to you. Does that make sense? Are we clear on this?! If not, then drop us an email and we can tell you the above again! The reason we say this is that everyone's situation is unique and for us to share general content like we do it means it cannot possibly be taken as specific advice just for you. Happy? We certainly hope so.
Now go and review our 'entertainment' podcast and we will love you forever!
Much love and gratitude, Ray and Nigel
PS that link re Nigel losing 14kg in weight - use this affiliate link ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HERE

#226 - REVEALED: Little Known Ways to Raise Money

We all wish to avoid them but sometimes you may get involved in a legal dispute.
What is the best approach?
Ray & Nigel discuss a surprising and subtle approach that may help you win (without the other party feeling they lost!)
You can watch Nigel renovate a lopsided house: ⁠⁠⁠⁠⁠https://www.youtube.com/@escapetothedreamhouseuk⁠⁠⁠⁠⁠ 
IF YOU NEED HELP:


Get in touch hello@htrmoney.co.uk and talk to us, we may be able to help. A trouble shared is a trouble halved!
Email us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠hello@htrmoney.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
Watch us on YouTube ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@howtoraisemoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
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Before you do anything else, remember that anything Ray or Nigel talk about, share, discuss, etc is for entertainment purposes only. It is not financial, legal or any other advice of any sort! Do not rely on anything we say or share or do because we are doing it for entertainment purposes only. Think of it like this...we are discussing topics that people may like to investigate further; ideas and information that you might want to consider further; and that sort of thing. You should always seek your own independent advice from relevant people such as lawyers and accountants. Although Ray is a qualified solicitor and Nigel is a qualified accountant, we do not have any agreement with you unless expressly and clearly documented in a contract, so please just enjoy our podcast, our info and our content and use it to as a call to action to seek professional and relevant advice specific to you. Does that make sense? Are we clear on this?! If not, then drop us an email and we can tell you the above again! The reason we say this is that everyone's situation is unique and for us to share general content like we do it means it cannot possibly be taken as specific advice just for you. Happy? We certainly hope so.
Now go and review our 'entertainment' podcast and we will love you forever!
Much love and gratitude, Ray and Nigel
PS that link re Nigel losing 14kg in weight - use this affiliate link ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HERE

#225 - Legal Disputes: The Subtle Art of Winning

When it comes to getting approved for credit, lenders will often check your credit rating and depending on your score they will approve or reject your application!
Is that fair?
Is your score a true reflection of you?
What can you do if it is wrong/unfair?
Nigel and Ray discuss credit scoring and the frightening Big Brother version heading our way...the SOCIAL credit score!!!


You can watch Nigel renovate a lopsided house: ⁠⁠⁠⁠⁠https://www.youtube.com/@escapetothedreamhouseuk⁠⁠⁠⁠⁠ 
IF YOU NEED HELP:


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If you would like Ray and Nigel to work with you then get in touch - email us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠hello@htrmoney.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
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Before you do anything else, remember that anything Ray or Nigel talk about, share, discuss, etc is for entertainment purposes only. It is not financial, legal or any other advice of any sort! Do not rely on anything we say or share or do because we are doing it for entertainment purposes only. Think of it like this...we are discussing topics that people may like to investigate further; ideas and information that you might want to consider further; and that sort of thing. You should always seek your own independent advice from relevant people such as lawyers and accountants. Although Ray is a qualified solicitor and Nigel is a qualified accountant, we do not have any agreement with you unless expressly and clearly documented in a contract, so please just enjoy our podcast, our info and our content and use it to as a call to action to seek professional and relevant advice specific to you. Does that make sense? Are we clear on this?! If not, then drop us an email and we can tell you the above again! The reason we say this is that everyone's situation is unique and for us to share general content like we do it means it cannot possibly be taken as specific advice just for you. Happy? We certainly hope so.
Now go and review our 'entertainment' podcast and we will love you forever!
Much love and gratitude, Ray and Nigel
PS that link re Nigel losing 14kg in weight - use this affiliate link ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HERE

#168 - How to Spend Time & Not Money - 1st Step - Measure Them!

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