@financefraz

41 | UK 🇬🇧 Stop wasting money. Start building wealth 💸➡️📈 UK money tips | Investing | Cashback Simple methods. Real life hacks.

 Portsmouth, England
beacons.ai/financefraz
Joined February 2026
  • Tweets12.8K
  • Following1.8K
  • Followers3.6K
1.7KMedia
#ad I’m a spreadsheet guy, a money guy, I like to think I’m organised Has anyone taken a look at @go_lightyear Investing platform? I’ll be honest I’m on a few platforms but none as clean as this, organising watchlists is a breeze with the ability to change names, change colours, by performance, date added & more! I know a lot of you are on that ‘other’ platform but if you fancy giving it a go then you can get between £10-100 in a fractional share or ETF for free! Check my full T&Cs in the thread. Sometimes handy just to add a slightly different portfolio, aggressive or defensive!
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Use code FRAZ to get £10-£100 in a fractional share in your General Investment Account. You must be a new user who deposited at least £100 within the first 15 days, see full T&Cs at lightyear.com/financefraz. Capital at risk. Promotional terms apply.

Reward promotion | Lightyear

Start building your portfolio today and use the code to get between £10 and £100 in a fractional share or ETF of choice. Capital at risk. T&Cs apply.

lightyear.com
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Why are people so shocked? A bank offering loans??
GB Politics
@GBPolitcsOct 26
🚨NEW: Digital bank Revolut has begun offering personal loans in Britain The unsecured loans range from £2,000 to £25,000 over a period of 1-5 years, with rates ranging from 6.9% to 29.3%
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And this is a bad thing why? What a ridiculous post
Mark Gossage@bulkbikerOct 26
Hubs just got an NHS bowel cancer screening kit unasked for. They waste about £15m a year on unreturned kits. 35% approx I phoned up at his request to opt out. They now have to send a letter for him to sign. Why are people not asked to opt in to this if they want it?
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This is going to hurt at 1:30 Anyone else on the $NU train???
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I'm genuinely shocked at how many people seem personally affected by my HMRC post. 💀 If the replies are anything to go by, the amount of people not paying their tax in this country must be absolutely MASSIVE. I thought this was an unpopular opinion. Turns out I've hit a nerve. 👀💷
Frazer Grant
@financefrazOct 24
Unpopular opinion: If you’ve intentionally dodged your taxes while the rest of us pay up every month, you shouldn't get a polite warning letter. HMRC dipping straight into accounts is long overdue. Play by the rules or expect consequences. 🤷‍♂️💷
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Guessing a lot of these people only earn £12,570 and are worried about the tax man finding their true earnings
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Life is too short 🫶
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Unpopular opinion: If you’ve intentionally dodged your taxes while the rest of us pay up every month, you shouldn't get a polite warning letter. HMRC dipping straight into accounts is long overdue. Play by the rules or expect consequences. 🤷‍♂️💷
Politics UK
@PolitlcsUKOct 23
🚨 BREAKING: John Healey will announce at the Budget that HMRC will be given powers to seize money directly from the bank accounts of people who fail to pay their tax
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Just in case people thought they were being chased for not paying their tax next week 🤣🤣 This has been in place for a while
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📉 Not the week I was hoping for! My portfolio is down £579.51 (-3.38%). Rolls-Royce, IREN and Meta all had a tough week. It’s easy to share the wins, but the losses are part of the journey too. Just keeping things real and focusing on the long term. 📈💚
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🏡 A £300k home could mean £1,440 a year under a proposed property tax. Fairer system or another tax hit? 👀 What do you think? 👇 #UKPolitics #Property
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Anyone on threads? I’m not but thinking about it 🧐
Kalshi
@KalshiOct 21
JUST IN: Mark Zuckerberg says Threads has surpassed X in monthly active users
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Everyone still waiting for $SPCX to go under $100 then??
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💸 Earning £100k+ with kids? You could be missing out on thousands in childcare support. There may be legitimate ways to reduce your adjusted net income and keep access to funded childcare and Tax-Free Childcare. 🏷️ Use code FRAZ for 10% off your personalised report to find out how 👇 thechildcarehack.co.uk/?utm_… Ad | I earn commission.
🤝 Paid partnership
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🚨Side hustlers, sole traders, and landlords read this! Making Tax Digital (MTD) is rolling out, and lower income thresholds mean more people are affected than before. Are you on the list? 👀 💾Save this post to check HMRC's latest guidance and stay ahead of the deadline! Follow @financefraz for clear, jargon-free UK money updates. Disclaimer: General information only. Please consult gov.uk for official guidance.
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💷 Sprive helps you pay off your mortgage faster by turning everyday shopping into mortgage overpayments! 20 people have signed up through my link but haven’t completed their first shop yet 👀 Complete your first shop and you’ll get £5 free! If you’re new here, check it out below 👇
Frazer Grant
@financefrazOct 7
My mortgage is sitting around £45k right now, and the thought of paying another £17k in interest still makes me feel slightly sick 😭 To chip away at it without really changing my routine, I’ve been using Sprive. It's properly underrated. Basically, you just buy gift cards through the app for places you're already shopping at anyway: 🛒 Food shops 🍻 Pubs/restaurants 🛍️ High street shopping ⛽ Fuel You get cashback, and it automatically funnels straight into your mortgage as an overpayment. I’ve managed to clear an extra £400 since July just by doing my normal spending through it. If you want to give it a go, use my code FRAZ. You'll get Free Sprive Plus, a chance to win your next mortgage payment, and if you complete your first shop through the app, you'll get a free £5 towards your mortgage.  Plus, once you're signed up and using it, you get your own referral code to share with friends, which is a nice little bonus to make some extra cash too 💸 linkprod.sprive.com/FRAZ
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mornings as they should be 🖤
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📉 My 3 worst-performing investments this week. Not every week is green 📈 Sharing the losses, the lessons and the journey along the way. Which would you hold or sell? 👀 #Investing #Stocks
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✨ GLIMMERS. Little rays of light in a noisy world. It’s easy to focus on what isn’t going right, so I’m trying to appreciate the little wins too. ❤️ Brand deals, side-hustle money, getting married in 2 weeks, a 3-week cruise to look forward to and watching my little girl grow. 💍🚢 Life isn’t perfect, but there’s always something to smile about. What’s your glimmer right now? ✨👇
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