Aristotle Financial Planning

Aristotle Financial Planning Helping people organise and optimise their personal finances to enable awesome lives.

03/03/2026

Another series of the James Talks Finance podcast has launched today - 6 more episodes of insight released weekly to help you with your personal finances!

The first episode in this series is about The 4 P's of financial organisation and how to prioritise thinking about your finances.

People often skip ahead to the 'Products' element of organising their finances first, but without thinking about the other 3 P's first there can be no way of knowing whether what is being implemented is actually correct for your circumstances.

Take a listen (link in comments) to find out about all 4 P's and the order you should be thinking about them.

16/12/2025

Personal finance is full of numbers, and knowing which ones are important and need to be monitored against those less important can be difficult to figure out.

Realistically, there are only 4 numbers that you need to figure out, work towards, and track against your progress, which is what this weeks episode of the podcast is all about.

Take a listen (link in comments) and let me know what you think. If you need any help with figuring those numbers out then get in contact and we can work through it together.

15/12/2025

The 'Fun Fund' - Unlock spontaneous spending without ruining your finances!

Organising your finances doesn't need to mean that you have to take all of the fun and enjoyment out of life or that you cannot do spontaneous spending from time to time.

A way to make that happen is to set up an account or fund to enable that to happen guilt free and without causing harm to your regular expenditure and cashflow or your longer term plans.

Examples of uses for this fund that I have seen include concert tickets, meals out, shopping trips or even spontaneous weekends away! What might you spend money on if you had a 'fun fund'?

10/12/2025

People can tend to get attracted to the 'shiny' things when it comes to allocating their capital and skip over the basic fundamentals.

But as this weeks' podcast episode explains (link in comments), the starting point for capital is always to build up an emergency or reserve fund.

This increases resilience and protects against unexpected expenses that cannot be made out of regular cashflow by having a safety net that can be used in the short term and then replenished when possible to do so.

09/12/2025

This weeks' episode of the podcast is all about how to allocate your capital to build wealth, without overcomplicating it.

People often think that there needs to be a complicated formula, set of calculations or spreadsheets for how to do this.

Unfortunately people often go too deep too quickly and should really be thinking about things at a much higher level, which is exactly what this episode explains (link in the comments below).

05/12/2025

How to accelerate your growth!

When it comes to accelerating growth people sometimes come to us thinking that there is some kind of magic system that we have in order to make that happen.

Whilst I would love that to be the case, unfortunately that isn't so.

There are only really two ways to accelerate growth:

1. Get more in - increase contributions (frequently)

2. Grow what you have faster - investing in real assets and increasing exposure to growth assets (within your own tolerance to risk and capital falls/losses).

*Investments carry risk.

04/12/2025

This week's episode aims to cover two areas regarding your personal finances.

Firstly, how frequently you should be checking/reviewing the different aspects of your finances.

From my experience people initially seem to fall into two extremes - either never/rarely checking anything or checking all aspects daily/weekly like an obsession.

Take a listen (link in comments) for my thoughts on how often you should be checking the different aspects of your finances.

01/12/2025

Financial Freedom - Figuring out 'Your Number'

Are you saving and working towards the future goal of financial independence or freedom? But don't know exactly when that would be? This quick and approximate calculation helps enlighten you on just that!

28/11/2025

One of the most important things people can do to increase their financial security and resilience is something that is a relatively simple but often overlooked concept.

In the rush to optimise everything they forget to remember that unfortunately life doesn't always run smooth and it is important be able to meet unexpected expenses or falls in income by having a reserve fund.

Some people call it an emergency fund, an 'oh no' fund, or maybe even something more expletive. But the principle remains - by having a fund available instead of needing to take credit it dramatically increases your financial resilience.

A good rule of thumb on this would be 3-6 month's worth of expenditure.

26/11/2025

Today is the day in the calendar which is commonly referred to as 'Budget Day', whereby the UK Government sets out their tax and spending plans for the UK economy.

It is an important day as it has the potential to have significant impact both upon the overall economy but also your personal financial situation.

There has been much speculation in the lead up to this one about 'balancing the books', and I am not intending to add to that.

Rather, I am sharing a relevant principle regarding budgeting and how you can start to think about it for your own situation.

The 50/30/20 principle is a useful reference point for how to think about allocating your expenditure, particularly the 20 which is saving for your future self and personalised towards your goals!

25/11/2025

This week's episode of the James Talks Finance podcast is all about rules of thumb and basic principals to make finances easier to understand.

Now whilst rules of thumb aren’t perfect, but they can make your financial life a whole lot simpler and help you to take action to improving your situation.

Take for example the one month spending principle ... This is when it comes to discretionary object purchases and the principle is that if it won't enhance your life, bring you happiness, or you can't afford to buy it within one month, then you shouldn't really be buying it. It's about smarter spending, not just cutting spending.

Link to this week's podcast episode is in the comments with more rules of thumb and principles just like this.

20/11/2025

Pay Your Future Self First!

Getting into the habit of saving can be difficult, without lots of outside pressures.

And it is easy to forget to make changes to them over time.

But doing so can be really powerful!

Address

Abbey Yard, Darley Abbey
Derby
DE221DS

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 3pm

Website

Alerts

Be the first to know and let us send you an email when Aristotle Financial Planning posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Aristotle Financial Planning:

Shortcuts

Share

Category