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Hello, and welcome! This is our third monthly roundup, and we are stoked to share it with you! If this is your first one, here's how it works. At the beginning of every month, we share a summary of all our activities from the previous month. These include popular community questions, how-to guides, top personal finance news and tips to help you stay on top of your money. If you're not yet a member, you may join us here

Invite someone to join the Koody Community. Click here to invite a friend.


What should I do before investing in the stock market?
Hi everyone, my question is about things to do before investing in the stock market - I have set aside an emergency fund equal to one-year’s worth of living expenses. Other than that, is there anything else that I should take into consideration before investing?
Alex Moore  •  Read answers

Where do active investors get their news early in the morning?
Hello everyone, a quick question as to where people who are doing active investing in the stock market get their news for the beginning of the day - is there a solid resource that lists which companies will be making announcements through the week and gives a bit of a guide where to buy and sell for the short term? I've noticed share prices flying up and down on the back of scheduled (and unscheduled) announcements in the Just Eat, Rolls Royce (up and down), etc. I'm trying to set up for the long term, but thinking a couple of these short term trades on the side could help.
Anonymous • Read answers

What Vanguard funds would you recommend?
Hi team, what Vanguard funds would you recommend? I’m a 20-something year old male with around £7,500 saved. I am interested in one or several Vanguard funds. I’ve chosen Vanguard because of the low price point. However, there are just too many options. I would appreciate different opinions about which ones people like.
Anonymous •  Read answers


Saving & Budgeting

Where to put £10k for 2 years?
Advice please: I am about to receive £10k and I have no plans to touch it for at least two years. Where should I put it?
Anonymous  •  Read answers

I am looking for a decent way to track my finances.
I am looking for a decent way to track my finances. My goal is to uncover spending habits and track savings. I am looking at YNAB, but it’s not UK focused and seems like I have to do everything manually. Can you recommend anything? An app would be fine.
Tom  •  Read answers


Careers & Side Hustles

What should I do if I can't monetise my skills?
What should I do if I want a side hustle but can't think of any skills that I can monetise?
Anila •  Read answers

Should I start a startup?
What's your recommendation for an economics graduate who wants to build a tech startup? Context - I have a full time job and I am playing with the idea of learning software development.
Alex Moore •  Read answers


Weekend Read

Christmas Gift Ideas To Help You Save Money
Christmas is around the corner, and we're just as excited as you are! One of the most exciting things about Christmas is exchanging gifts with family, friends and loved ones. In the spirit of giving, we've curated a list of affordable Christmas gift ideas that do not require you to break the bank to show your loved ones how much you care for them.
Koody Blog •  Read more

20 Simple Ways To Save Money
Ever tried to save money only to find yourself quitting before reaching your goal? You're not alone. Many people struggle with reaching their saving goals, and that's why we've put this list together to help you get better at saving.
Koody Blog •  Read more

Talent Not Required: The Tedious Ordinariness of Success
"Out of every one hundred men, ten shouldn’t even be there, eighty are just targets, nine are the real fighters, and we are lucky to have them, for they make the battle. Ah, but the one, one is a warrior, and he will bring the others back."
Youngling & Feynman • Read more

Should I Keep Investing During A Recession?
Investing during a recession may seem counter-intuitive especially as here in the UK, it’s recently been announced we are heading into a pretty severe recession on the back of COVID-19 and all of the financial implications of the virus.
Luke Girling •  Read more


ICYMI: News & Opinions

"Nearly nine in 10 products sold on Black Friday are available for the same price or cheaper earlier in the year"
... according to consumer group Which?. It urged consumers to "do some research" in order to spot genuine bargains during the 27 November sale.
Emma •  Read more

Claim tax relief for your job expenses
Working from home due to coronavirus? You can claim tax relief for your job expenses. If your employer has required you to work from home, even if it's just for a day, you can claim tax relief for the whole year. It's really easy and takes less than 2 minutes! You can claim £62 or £125 depending on your income tax band.
Emma •  Read more

HSBC says it could charge for current accounts
I came across this article and thought some of you might find it interesting. It seems like sooner rather than later, paying for current accounts will be the norm.
George •  Read more


Leader Board

  1. Finance Expert - Luke Girling from The Progression Playbook
  2. Rising Star - Sarah
  3. Conversation Starter - Josh
  4. Rising Star - William
Thank you! ⭐️

Before you go...

We are trying to grow the community to 1,000 members by the end of the year. We would really appreciate it if you invite at least one friend to join us. When you successfully invite a friend, we'll send you something nice to say thank you.

That's all from us! We hope you enjoyed reading this edition. Please share it with someone who will find it useful. If someone sent you this email, join our community here.

Also, Happy December! We hope you are as excited as we are about the forthcoming Christmas holidays! 

Until next month (and OMG, next year),
We wish you a joyful December! Have a very Merry Christmas! 🎄

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