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Moola Master Your Money - Empowering you to make confident financial decisions.

Personal Finance for Founders — five slides from last week's workshop at The Glasshouse in Cambridge, part of the King's...
16/09/2026

Personal Finance for Founders — five slides from last week's workshop at The Glasshouse in Cambridge, part of the King's E-Lab Spark 2.0 programme.

Lesson one: you've built a financial model for your startup. Have you built one for yourself?

Lesson two: your biggest risk isn't running out of cash. It's concentration — salary, identity, network, time and wealth all in one illiquid asset.

Diversifying isn't a lack of conviction. It's financial intelligence.

Thank you to King's Entrepreneurship Lab, King's College Cambridge and the University of Cambridge.

"I live in Lisbon now" is not a tax position.If you have moved abroad, or you are about to, three UK rules changed the d...
15/09/2026

"I live in Lisbon now" is not a tax position.

If you have moved abroad, or you are about to, three UK rules changed the day you stopped being resident. Your ISA quietly stops taking new money. Your pension keeps its tax relief, but only for five tax years. And inheritance tax follows you for three to ten years — not the flat ten you will read almost everywhere.

We have put the whole thing in one place, with every rule linked back to HMRC.

https://na3.hubs.ly/y0CsxW0

14/09/2026

Personal Finance for Founders — two questions for a room of Cambridge founders at The Glasshouse last week, part of the King's E-Lab Spark 2.0 programme.

"Who's built a financial model for their startup?" Nearly every hand.

"Who's built one for themselves?" Almost none.

That gap is the whole talk. Your biggest financial risk as a founder usually isn't running out of cash — it's concentration. Salary, identity, network, time and wealth, all in one illiquid asset.

Diversifying isn't a lack of conviction. It's financial intelligence.

Thank you to King's Entrepreneurship Lab, King's College Cambridge and the University of Cambridge, and to the Spark 2.0 founders.

Every big money answer is an island Buy the house, remortgage, boost your pension, retire early , none of them lives in...
10/09/2026

Every big money answer is an island Buy the house, remortgage, boost your pension, retire early , none of them lives in isolation
1. Stop treating calculators like a verdict A mortgage calculator can't see your pension, investments, childcare costs, or what happens if rates change
2. Your home decision affects your freedom date A bigger deposit or higher payment can change how much you invest each month , and when work becomes optional
3. Remortgaging isn't just about the lowest rate The right deal depends on your equity, cash buffer, fixed-term plans, and what you'd do with the monthly saving
4. A pension boost has a trade-off too More into retirement can cut today's options. Model the tax relief, cash flow, and the age you want to stop working
5. Put every choice against your real numbers See the plain-English outcome side by side: what you can afford now, what it costs later, and what it changes

08/09/2026

POV: Moola runs every scenario and your spreadsheet doesn't need a full rebuild

If you were a Moneyhub user, the app going quiet in July probably stung more than software usually does. It wasn't just ...
08/09/2026

If you were a Moneyhub user, the app going quiet in July probably stung more than software usually does. It wasn't just an app — it was the one place your whole financial life sat in a single view.

So here's an honest guide to what replaces it, sorted by what you actually used it for. Some of the answers aren't us, and we say which ones.

https://na3.hubs.ly/y0BZT70

Three of the five dates in this post are "do nothing".The First Time Buyer ISA won't have a bonus rate or a launch date ...
01/09/2026

Three of the five dates in this post are "do nothing".

The First Time Buyer ISA won't have a bonus rate or a launch date until the Budget on 28 October, and there is nothing to prepare beforehand. If you already hold a Lifetime ISA, there's nothing to do at all — existing accounts carry on exactly as they are.

The bit that is real: if you're buying within about two years, a LISA can't be used for a purchase until twelve months after your first payment. That clock starts when you pay in, not when the Budget lands.

If something you read about this makes you feel you must act by Tuesday, check who benefits from that feeling.

https://na3.hubs.ly/y0BJkP0

Last call — entries close at 23:59 tonight.Two tickets to the Last Night of the Proms, private box, 12 September. Free a...
31/08/2026

Last call — entries close at 23:59 tonight.

Two tickets to the Last Night of the Proms, private box, 12 September. Free account, feedback survey, opt in. Five minutes, and the winner is drawn tomorrow.

https://na3.hubs.ly/y0BsxJ0

UK 18+. Free entry, no purchase necessary. T&Cs apply. Not affiliated with the BBC or the Royal Albert Hall.

Merging finances is one of those things nobody really teaches you.Whose account does the rent come from? Are you both sa...
30/08/2026

Merging finances is one of those things nobody really teaches you.

Whose account does the rent come from? Are you both saving towards the same thing? What does "we're fine" actually mean in numbers?

Moola gives you both one shared view, so you're planning from the same page rather than two.

https://na3.hubs.ly/y0BjqF0

Flags, streamers, five thousand people singing, and an orchestra having the time of its life.The Last Night of the Proms...
30/08/2026

Flags, streamers, five thousand people singing, and an orchestra having the time of its life.

The Last Night of the Proms, 12 September — and you'd be watching it from a private box with a guest.

One day left. Free account, feedback survey, opt in. Closes 23:59 tomorrow.

https://na3.hubs.ly/y0Bsmz0

UK 18+. Free entry, no purchase necessary. T&Cs apply. Not affiliated with the BBC or the Royal Albert Hall.

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