Milky World

22/10/2026

Yesterday I was invited alongside a handful of finance creators to Downing St to meet with top treasury officials including the Chief Economic Advisor (and a drop in from John Healey himself) and discuss issues affecting my audience and the upcoming Budget.

I was able to raise issues that YOU told me were important, like the 100k tax trap, fiscal drag, low productivty, ISA changes, financial planning with so many changes, and small business support.

While they couldn’t reveal specifics of the budget, my impression was that issues like fiscal drag and the 100k tax trap won’t be addressed.

BUT the effective rise in income tax is part of a larger government strategy of fiscal consolidation to address the massive government debt, which is an existential threat (see: France).

We can also expect energy bills, mortgage costs and first-time buyer challenges to be addressed in the budget.

While I’m not here to be pro or anti the government, I must say that while I don’t think as a high-earner I’m going to be better off from this budget, I did walk away feeling more optimistic about the overall economy and the long-term financial state of affairs in the UK.

20/10/2026

I’ve been invited to 11 Downing Street tomorrow to meet with treasury ministers and officials and discuss the upcoming Budget.

While I’m very excited to get my mandatory picture in front of the front door, I’m most excited to be able to raise (in my small way) the issues that are most important to YOU GUYS.

So please sound off in the comments: what questions would you ask the people who control how much tax that you pay?

19/10/2026

19/10/2026

I’m saving for a house deposit and the cash ISA rules are about to change 👀

From April 2027, you’ll only be able to put £12,000 a year into a cash ISA (down from £20,000). The overall £20k ISA allowance isn’t changing, so the other £8k would have to go into stocks & shares instead.

Here’s what that means if you’re saving for something short-term like a house, and exactly how I’m splitting my savings because of it 🏡

Are you a cash ISA saver or a stocks & shares person? Tell me below 👇

19/10/2026

Where should I invest?? I get this question a lot which makes sense, because in the UK there a so many different accounts and wrappers to choose from 🫨

So, I’m sharing the exact step by step strategy that I’d use if I started building wealth again from scratch.

Please note: this is not financial advice. The best option for you will depend on your goals and circumstances. Capital is at risk when investing.

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This post was heavily inspired by Morgan | personal finance & IG growth who did a similar breakdown for a US audience which I thought was FAB, so wanted to do something similar to make it legible for you guys in the UK. If you’re in the US or just like content from ambitious and financially literate/successful women please go check her out 💕

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🏷️ money management, saving spending budgeting, UK investing, where to invest, investing for beginners

18/10/2026

I have been seeing a million headlines about the bond market crash (and yields reaching ten year highs), so this is what the hell that means, and MORE IMPORTANTLY, what that means for your finances (spoiler, nothing good).

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🏷️ bond market, stock market, investing UK, personal finance, money management

17/10/2026

I could say a million things about this day but I’ll keep it (relatively 😂)

1. Thank you for everyone who voted! I’m still figuring out the whole self promotion thing, it really has not come naturally, but it means so much to have your support 💕

2. Congratulations to my queen who won our category, you are such a star and I am so proud of you!

3. If you’ve been waiting for your sign to start posting content: let this be it. It has completely changed my life at the age of 34. Not just for the opportunities, but the new sense of purpose helping in a small way to share financial literacy.

Thank you a million times to .digital for hosting us, and to for sponsoring the event 🫡

Outfit details:
Jacket .co
Top and skirt

15/10/2026

If you’d like to use the same budgeting system as me it’s in my bio (or comment the word BUDGET and I’ll send you the 🔗)

This is everything that I spent living in London in the month of September as a 34 year old DINK (that’s double income no kids for the uninitiated).

Shoutout and for keeping my expenses low but face and body feeling good 💕

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🏷️ money management, budgeting, spending, saving, investing, payday routine

12/10/2026

6 things I looked at when I moved to the UK and was choosing an investment platform 💰

1. Does it have the right account? In the UK, this means a stocks and shares ISA where you can invest up to £20k per year tax free.

2. What can I invest in? For me, I’m looking for specific ETFs!

3. Fees - what are the platform and trading fees? These can add up QUICKLY.

4. UX - bad UX is a no from me.

5. FCA approval - no approval, no investing from me

6. Sign-up bonuses - everything else being equal, I’ll look for the platform with the best sign-up bonus 🎉

I personally use because it ticks all of these boxes, and you can sign up using the code MILKY to get a free fractional share worth up to £100 (sponsored code, terms apply)

11/10/2026

From April 2027, the government is making a bunch of changes to how we are taxed (spoiler: it’s more tax).

These are the 5 most important you should know about:

1. Cash ISA limit is decreasing from £20k to £12k (the overall limit is staying the same)
2. Pensions will count towards your estate and be taxed
3. Tax of interest on uninvested cash inside a stocks ISA
4. Increase in rental profit tax
5. Increase in interest earnt on cash (outside of an ISA)

Let me know your thoughts on these changes!

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