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January 1, 2025 — Comments are off for this post.

How to Pay Off Your Mortgage Faster (UK): 7 Moves That Save Thousands

Last updated: 13 October 2026

By Stiv · Design, technology and personal finance

This is the strategy I follow myself. I've been overpaying my mortgage since October 2021, with Nationwide and now Halifax, using a combination of Sprive's auto-save feature and tracking the impact over time. This is based on that real use.

If you want to pay off your mortgage faster in the UK, you don't need extreme budgeting or a "one weird trick". You need a clear plan that focuses on the biggest levers: interest rate, consistency, and avoiding fees. This page is the master strategy guide. It shows you what to do, in what order, and what to check so you don't accidentally trigger Early Repayment Charges.

Your home may be repossessed if you do not keep up repayments on your mortgage.

This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them. This is information, not financial advice, and CoolCuration is not authorised by the Financial Conduct Authority.

Grab the Sprive welcome bonus

If Sprive ends up being part of your plan, the latest sign-up offer and how to claim it live on our referral page.

See the current Sprive offer

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Published by Stiv in Discount, Finance, Money saving, Personal finance, Saving, Services
Tags: cashback apps UK, compound interest savings, home finance UK, how to pay off mortgage faster, mortgage calculator, mortgage overpayments, mortgage repayment, pay off mortgage faster, Sprive app, Sprive review, UK mortgage tips

July 3, 2024 — Comments are off for this post.

Emma App Review: Is It Worth Paying For?

Emma finance app

Last updated: 9 June 2026

By Stiv · Design, technology and personal finance

This is an opinion piece. Views expressed are the author's own and do not constitute professional advice.

This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.

Want to test Emma properly?

Our referral link stretches the standard 7-day trial to a full 30 days on any premium plan.

Start a 30-day Emma trial

This Emma app review breaks down what the budgeting app actually delivers for UK users in 2026, from the limited free plan to the paid tiers that unlock the features most people will want. Emma connects your bank accounts, credit cards and investments into a single dashboard using Open Banking, and layers on budgeting tools, subscription tracking and spending insights. It is well-designed, useful and impressively well-connected to UK financial services. The main gripes? The pricing is steep for a budgeting app, and the constant nudges to upgrade to the Ultimate plan get old fast.

Cool Factor: 4/5

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Published by Stiv in Android apps, Apple apps, Apps, Finance, Investing, Personal finance, Reviews, Saving, Services, Uncategorized
Tags: budgeting apps, budgeting tools, debt tracking, Emma app review, Emma app UK, Emma referral code, expense tracking, financial management, money management, personal finance, subscription tracker
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December 23, 2020 — Comments are off for this post.

ESG Investing JPMorgan Review: SRI Scores, Holdings and Fossil Fuels

ESG investing with JPMorgan Personal Investing: my SRI pot's MSCI scores, top 10 holdings and returns, and the parent bank's fossil fuel record.

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Published by Stiv in Android apps, Apple apps, Carbon conscious, Finance, Investing, Personal finance, Reviews, Services, Technology lover
Tags: 2021, app, apple, apps, appstore, bonus, discount, ESG, finance, investing, isa, jpmorgan, JPMorgan Personal Investing, nutmeg, referral, review, socially responsible investing, SRI, sustainable investing, uk investing
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