Rowles, D (2020) ‘The importance of diversification in volatile markets’.
URL: hl.co.uk/news/articles/archive/the-importance-of-diversification-in-volatile-markets
Websites to help you find a financial advisor:
unbiased.co.uk
ifa-direct.com
fca.org.uk
Pensions and Lifetime Savings Association (2023). ‘The detail: why do we need the standards?’ URL: retirement livingstandards.org.uk/details
The Deming Institute: The PDSA Cycle. URL: deming.org/explore/pdsa
Vicki Robin and Joe Dominguez (1992) ‘Your money or your life’. URL: yourmoneyoryourlife.com
Chapter 3
Martin Lewis, founder of consumer site MoneySavingExpert. URL: moneysavingexpert.com
Which? (2023) ‘Food delivery apps charging double for some supermarket groceries’. URL: which.co.uk/news/article/food-delivery-apps-charging-double-for-some-supermarket-groceries-aaOVM1n9fD64
Houlton C (2023) ‘Shoppers face double groceries cost when ordering from food delivery apps’. Grocery Gazette. URL: grocerygazette.co.uk/2023/06/05/cost-groceries-delivery-apps
Credit rating agencies: Experian and Clearscore. URLs: experian.com, clearscore.com
Mortgage calculator for online mortgage payment breakdown: mortgagecalculator.uk
Finance & Leasing Association (2023) ‘Consumer car finance new business volumes fell by 6% in December 2022’. URL: fla.org.uk/media/news/consumer-car-finance-new-business-volumes-fell-by-6-in-december
UK Car Discount, online car broker: uk-car-discount.co.uk
National Car Finder, second-hand car auction broker and car sourcing service: nationalcarfinder.co.uk
Campbell, R (2022) ‘Car pollution facts: from production to disposal, what impact do our cars have on the planet?’. Auto Express. URL: autoexpress.co.uk/sustainability/358628/car-pollution-production-disposal-what-impact-do-our-cars-have-planet
Ibbetson, C (2022) ‘How confident are Britons in the kitchen?’. YouGov.
URL: yougov.co.uk/society/articles/43386-how-confident-are-britons-kitchen?
Meal cooking packs: simplycook.com
Waste & Resources Action Programme (WRAP) (2017) ‘Valuing our clothes: The cost of UK fashion’. URL: wrap.org.uk/resources/report/valuing-our-clothes-cost-uk-fashion
WRAP: action on food waste. URL: wrap.org.uk/taking-action/food-drink/actions/action-on-food-waste
Office for National Statistics (2023) ‘Family spending in the UK – April 2021 to March 2022’. URL: ons.gov.uk/peoplepopulationandcommunity/personaland householdfinances/expenditure/bulletins/ familyspendingintheuk/april2021tomarch2022
Mosley, M (2021) ‘How to cut food waste, help the planet, AND boost your health at the same time!’. Daily Mail. URL: dailymail.co.uk/health/article-10073963
Chapter 4
Dan White, spreading marketing ideas through illustrations: smartmarketing.me/illustrations.html
What Car (2022) ‘25 most unreliable cars’. URL: whatcar.com/news/25-most-unreliable-cars/n17550
Honest John Classics (2015) ‘Top 10: 1970s company cars’. URL: classics.honestjohn.co.uk/top-10s/top-10-1970s-company-cars
Roberts, P (nd). ‘Addicted to spending money: understanding compulsive shopping’. Priory Group. URL: priorygroup.com/blog/compulsive-shopping-and-spending-a-sign-of-shopping-addiction
Chapter 5
Amazon’s leadership principles: amazon.jobs/content/en/our-workplace/leadership-principles
Vanguard (nd) ‘When should you start saving for retirement?’. URL: investor.vanguard.com/investor-resources-education/retirement/savings-when-to-start
Institute for Fiscal Studies (2022) ‘Green Budget 2022 – Chapter 4: Public spending, pay and pensions’. URL: ifs.org.uk/publications/public-spending-pay-and-pensions
Lontayao, R (2022) ‘How much have UK property prices increased over the past 50 years?’ Mortgage Introducer. URL:
mpamag.com/uk/mortgage-types/residential/how-much-have-uk-property-prices-increased-over-the-past-50-years/409501
Thrift +: thrift.plus/our-story
Gem Wholesale, trade wholesaler of retail clearance and returned products: gemwholesale.co.uk
Ferreira, C (2023) ‘What is dropshipping and how does it work?
