Lifted Finance Consulting Ltd, Shinfield (2026)

08/09/2026

Not all skills carry the same weight when it comes to building wealth.
There is an important distinction between a 𝗷𝗼𝗯 𝘀𝗸𝗶𝗹𝗹 and a 𝘄𝗲𝗮𝗹𝘁𝗵-𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝘀𝗸𝗶𝗹𝗹.
A job skill gets you paid by someone else. It can be highly valuable, but it is often tied to a specific role, employer or industry. And if the job goes, the income attached to that skill may go with it.
A wealth-building skill is different. It travels with you regardless of job title. Four skills worth deliberately developing:
1️⃣ 𝗡𝗲𝗴𝗼𝘁𝗶𝗮𝘁𝗶𝗼𝗻: The ability to ask for more and structure better deals can increase your income in ways you might not expect. From salary negotiations and business contracts to negotiating the price of a car or property.
2️⃣ 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗹𝗶𝘁𝗲𝗿𝗮𝗰𝘆: Understanding how money, tax and investing actually work helps you avoid expensive mistakes, make better decisions and recognise opportunities that others may overlook.
3️⃣ 𝗦𝗮𝗹𝗲𝘀 𝗮𝗻𝗱 𝗽𝗲𝗿𝘀𝘂𝗮𝘀𝗶𝗼𝗻: You don't have to work in sales to need sales skills. The ability to communicate value, build trust and persuade people to say yes is transferable across almost every career and business - and ultimately, income.
4️⃣ 𝗣𝗿𝗼𝗯𝗹𝗲𝗺-𝘀𝗼𝗹𝘃𝗶𝗻𝗴 𝘂𝗻𝗱𝗲𝗿 𝗽𝗿𝗲𝘀𝘀𝘂𝗿𝗲: This is one of the skills the Undercover Billionaire participants relied on most. When things don't go according to plan, can you assess the situation, adapt and find the next workable step? That ability is incredibly valuable.
None of these skills require capital to build. They simply require 𝗽𝗿𝗮𝗰𝘁𝗶𝗰𝗲. You can build them while working a job. You can build them while running a business. You can build them before you have significant money to invest.
Tomorrow, a reality check on where most of us actually invest our development time.
©LiftedFinance

07/09/2026

I was listening to a podcast recently when one line stopped me in my tracks:
“𝗦𝗸𝗶𝗹𝗹𝘀 𝗮𝗿𝗲 𝗳𝘂𝘁𝘂𝗿𝗲 𝗰𝘂𝗿𝗿𝗲𝗻𝗰𝘆.”
The speaker was talking about Undercover Billionaire, a show where successful entrepreneurs are dropped into an unfamiliar town with almost nothing: no name recognition, no existing network, no access to their usual resources, and a short window to build a business from scratch.
And yet, many of them succeed.
They rebuild businesses. They generate income. They create value. Not because they have money hidden away somewhere. But because they have something far more valuable: They have invested in themselves for years. They know how to negotiate, solve problems, and read people. They understand money. They know how to sell and how to adapt. They have resilience. Those skills travelled with them.
That is the idea I want to explore with you this week.
Money can be lost. Accounts can be frozen. Businesses can fail. Markets can crash. But the skills you have built inside yourself remain yours. They are the currency that survives a reset. So this week, I’m sharing nuggets on why your skillset, not your bank balance, is your real long-term security.
Tomorrow, we get specific: 𝘄𝗵𝗶𝗰𝗵 𝘀𝗸𝗶𝗹𝗹𝘀 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗯𝘂𝗶𝗹𝗱 𝘄𝗲𝗮𝗹𝘁𝗵. Don't miss it.
©LiftedFinance

05/09/2026

Yesterday, I shared a worked example showing how the UK pension changes coming in April 2027 could turn a previously unexpected Inheritance Tax position into a very real one.
If you looked at that example and thought "could this be me?", here is what you can actually do about it.
𝗧𝗵𝗿𝗲𝗲 𝗽𝗿𝗮𝗰𝘁𝗶𝗰𝗮𝗹 𝘀𝘁𝗲𝗽𝘀 𝘁𝗼 𝘁𝗮𝗸𝗲 𝗯𝗲𝗳𝗼𝗿𝗲 𝗔𝗽𝗿𝗶𝗹 𝟮𝟬𝟮𝟳:
1️⃣ 𝗥𝗲𝘃𝗶𝗲𝘄 𝘆𝗼𝘂𝗿 𝗽𝗲𝗻𝘀𝗶𝗼𝗻 𝗯𝗲𝗻𝗲𝗳𝗶𝗰𝗶𝗮𝗿𝗶𝗲𝘀.
Check your nomination still reflects your wishes. Life changes, and an outdated nomination can lead to delays or outcomes you never intended.
2️⃣ 𝗖𝗮𝗹𝗰𝘂𝗹𝗮𝘁𝗲 𝘆𝗼𝘂𝗿 𝗳𝘂𝗹𝗹 𝗲𝘀𝘁𝗮𝘁𝗲.
Bring together your property, savings, investments and pensions. You need to know where you stand before you can decide what, if anything, needs to change.
3️⃣ 𝗘𝘅𝗽𝗹𝗼𝗿𝗲 𝘆𝗼𝘂𝗿 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 𝗲𝗮𝗿𝗹𝘆.
This could include gifting, using available allowances and exemptions, reviewing asset ownership, or considering whether trust planning is right for you. Some strategies take time, and certain gifts can remain relevant for Inheritance Tax for up to seven years.
𝗧𝗵𝗲 𝗸𝗲𝘆 𝗶𝘀 𝗻𝗼𝘁 𝘁𝗼 𝘄𝗮𝗶𝘁 𝘂𝗻𝘁𝗶𝗹 𝗔𝗽𝗿𝗶𝗹 𝟮𝟬𝟮𝟳.
The purpose of estate planning isn't simply to reduce tax. It's about making sure your wealth is structured in a way that reflects what you want to happen to it, and gives your family clarity when they need it most.
Start with understanding your position. Then decide what action, if any, is right for you.
𝗙𝗼𝗿 𝗺𝘆 𝗶𝗻𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗿𝗲𝗮𝗱𝗲𝗿𝘀: this change is UK-specific, but the question is universal. Do you know whether your retirement savings sit inside or outside your taxable estate where you live? Worth finding out, wherever you are!
©LiftedFinance

04/09/2026

The most common reaction I get when I raise estate planning with people is: "I'll sort it eventually."
But here's the problem: estate planning isn't a one-and-done exercise. Your plan needs to change as your family, your assets and the law change.
For years, pensions have served two purposes: providing retirement income and, in many cases, offering a tax-efficient way to pass on wealth because unused pension funds have generally been outside your estate for Inheritance Tax.
That is changing.
From 6 April 2027, most unused pension funds and death benefits will be included when calculating your estate for Inheritance Tax. If your estate, pension included, goes above your available allowances, currently £325,000 plus up to £175,000 Residence Nil Rate Band, the excess can be taxed at 40%.
Let's make this real with a worked example. Consider a couple with:
✅ Home: £550,000
✅ Savings & investments: £150,000
✅ Combined pensions: £400,000
Before April 2027, their pensions may sit outside the estate for IHT purposes. No tax to pay.
From April 2027, the pension gets added in. Total estate becomes £1.1 million, £100,000 over the threshold. That's a £40,000 tax bill for their children, at 40%.
So if you've always thought, "My pension isn't part of my estate," it may be time to revisit that assumption.
Tomorrow, I'll share some practical steps you can take. Don't miss it. 🙌
©LiftedFinance

01/09/2026

September 2026 Newsletter: The Financial Cost of Being the Responsible One - https://mailchi.mp/6d87376c3cef/sep-2026-newsletter-financial_cost

01/08/2026

August 2026 Newsletter: The Pension Shield Is Coming Down - https://mailchi.mp/c2d93393cde1/aug-2026-newsletter-pensionshield-comingdown

30/07/2026

I'm officially signing off for the summer. 🌞
Before I step away, I wanted to take a moment to properly (re)introduce myself - the person behind and your daily dose of personal finance nuggets. Over 2,000 posts shared so far … and counting!
My name is Oyenike, though most people call me Nike. I'm a Chartered Management Accountant, a qualified Financial Adviser, a Financial Educator, and the Founder of Lifted Finance Consulting.
The vision for Lifted Finance was born in 2018, out of my own journey from overwhelming debt to true financial freedom. What started as a personal breakthrough has grown into a mission reaching people across the world — helping individuals, families and businesses build confidence with money, make wiser financial decisions, and create lasting wealth.
I'm the author of 20 personal finance books (yes...20! 😊) You can find them all on Amazon. My newest release, 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹𝗹𝘆 𝗙𝗲𝗮𝗿𝗹𝗲𝘀𝘀 𝗪𝗼𝗺𝗲𝗻, is fresh off the press, and I'm incredibly excited about the lives it will impact.
I’m deeply passionate about all things money and wealth: Earning it, Saving it, Investing it, Managing it, Giving it, Protecting it, Building generational wealth, and Empowering others through financial education and financial well-being.
Beyond finance, I'm a proud mum to two beautiful daughters, wife to an amazing husband, still thriving in the corporate world here in the UK, and above all, a 𝗟𝗢𝗩𝗘𝗥 𝗢𝗙 𝗚𝗢𝗗. ❤️
Many businesses measure success by revenue. I measure it by the lives impacted, transformed, and empowered through my message of financial hope and freedom. Every message I receive, every breakthrough shared, and every person who takes a step towards financial confidence reminds me why I started this journey.
So, if you're new here — welcome to the family! 🤗
And to every one of my loyal followers, thank you for your encouragement, your comments, your shares, your recommendations, and for allowing me to be part of your financial journey. I never take your trust for granted, and I'm genuinely grateful for every single one of you.
Wishing you all a beautiful, joyful, and refreshing summer. Take time to create memories, recharge, and enjoy the season with those you love.
I'll see you in September, refreshed, refuelled, and ready to serve you even better.
Much love from my end to yours.
Nike ❤️

©LiftedFinance

29/07/2026

𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹𝗹𝘆 𝗙𝗲𝗮𝗿𝗹𝗲𝘀𝘀 𝗪𝗼𝗺𝗲𝗻
✨ Build Wealth. Take Smart Risks. Own Your Future. ✨
This is not a book of rigid rules, complex charts, or financial jargon. It is a complete, deeply personal guide to every dimension of a woman's financial life. Written the way I wish someone had spoken to me. Honestly, warmly, and without leaving anything out.
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Across 37 chapters and 8 sections, this book takes women on a complete financial journey - from understanding the beliefs that shape our money decisions to budgeting, earning more, investing with confidence, navigating relationships, and ultimately building financial freedom and a lasting legacy.
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Every chapter is anchored by a real woman's story. Real experiences, real struggles, real breakthroughs. Shared with permission and with the hope that you will see yourself in these pages.
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One message runs through every page:
𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗳𝗲𝗮𝗿𝗹𝗲𝘀𝘀𝗻𝗲𝘀𝘀 𝗶𝘀 𝗻𝗼𝘁 𝘁𝗵𝗲 𝗮𝗯𝘀𝗲𝗻𝗰𝗲 𝗼𝗳 𝗳𝗲𝗮𝗿. 𝗜𝘁 𝗶𝘀 𝗱𝗲𝗰𝗶𝗱𝗶𝗻𝗴 𝘁𝗵𝗮𝘁 𝗳𝗲𝗮𝗿 𝘄𝗶𝗹𝗹 𝗻𝗼 𝗹𝗼𝗻𝗴𝗲𝗿 𝗺𝗮𝗸𝗲 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻𝘀 𝗳𝗼𝗿 𝘆𝗼𝘂.
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Here's to changing more financial stories - one woman at a time!
New book is available on Amazon in both paperback and eBook formats.

UK - https://www.amazon.co.uk/dp/B0H6XTFG9Y

US - https://www.amazon.com/dp/B0H6XTFG9Y

CA - https://www.amazon.ca/dp/B0H6XTFG9Y

28/07/2026

Does your income sometimes feel like a rollercoaster?
One month you're comfortable. The next, you're stretching every pound just to make ends meet.
If that's you, you're not alone, and you're certainly not doing anything wrong.
I once worked with someone whose monthly income ranged from £800 to £4,200. Like many people, she tried to budget using one fixed monthly figure. Every time her income changed, her budget fell apart.
The problem wasn't her money management. The problem was trying to apply a steady-income budget to an unsteady-income life.
Everything changed when she stopped budgeting around her expected income and started budgeting around her lowest earning month.
Her essentials were covered by that minimum income. Then, whenever she earned more, the extra wasn't treated as spending money; it became a cushion for future months.
If your income fluctuates, here are three simple shifts that can make a huge difference:
✅ 𝗕𝘂𝗶𝗹𝗱 𝗮 "𝗯𝗮𝘀𝗲 𝗺𝗼𝗻𝘁𝗵" 𝗯𝘂𝗱𝗴𝗲𝘁.
Look back over the last 12 months and identify your lowest earning month. Let that become your baseline for essential expenses - not your average income.
✅ 𝗣𝗮𝘆 𝘆𝗼𝘂𝗿𝘀𝗲𝗹𝗳 𝗮 𝗿𝗲𝗴𝘂𝗹𝗮𝗿 𝘀𝗮𝗹𝗮𝗿𝘆.
If you're self-employed, freelance, or run a business, transfer a fixed amount into your personal account each month. Pay your household bills from that account rather than spending directly from whatever comes in.
✅ 𝗧𝗿𝗲𝗮𝘁 𝗴𝗼𝗼𝗱 𝗺𝗼𝗻𝘁𝗵𝘀 𝗮𝘀 𝗳𝘂𝗻𝗱𝗶𝗻𝗴 𝗺𝗼𝗻𝘁𝗵𝘀.
When income is higher, resist the urge to increase your spending. Use the surplus to support the leaner months ahead. That's how you create stability.
𝗥𝗲𝗺𝗲𝗺𝗯𝗲𝗿: Your income may be unpredictable, but your finances don't have to be. The goal isn't to earn the same amount every month. The goal is to build a budget that works whatever the month brings. That's how you create financial peace, even when your income isn't predictable.

©LiftedFinance

Lifted Finance Consulting Ltd

08/09/2026

07/09/2026

05/09/2026

04/09/2026

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