Sammie Ellard-King

Founder - Up the Gains We exist to help you achieve your own version of financial freedom. Give your wallet the kickstart it needs today!

dr nikki the female money doctor

The Shocking Truth About How Your Money Affects Your Mental Health – EP11

The Female Money Doctor – Dr Nikki Today we have a very special guest, Dr. Nikki, also known as The Female Money Doctor. With over 12 years of experience as an NHS GP and women’s health specialist, she has seen firsthand how poor money management can impact the mental and physical health of her patients […]

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lean fire

Lean FIRE 101: A Comprehensive Guide to Early Retirement on a Budget

Quickfire Roundup: The FIRE movement is all about achieving financial independence and being able to retire early. The Lean FIRE lifestyle works towards these goals and requires you to be frugal along the way.  By adhering to the frugal lifestyle, an average person can achieve financial freedom and retires as early as their 30s or

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coast fire guide

Coast FIRE Guide: How to Achieve Financial Freedom without Extreme Sacrifice

Quickfire Roundup: Coast fire is a subtype of the FIRE movement. Standing for Financial Independence Retire Early, FIRE is about leaving the rat race and stopping work before the traditional retirement age.  Coast FIRE differs from the usual FIRE approach as there is a need to keep working. However, the job tends to be low

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fat fire

Fat FIRE: Achieving Financial Independence with Comfort and Luxury

Quickfire Roundup: Fat FIRE is all about achieving financial independence and making the most of early retirement. The difference between fat FIRE and traditional FIRE is that this approach to the FIRE movement goes away from the frugal lifestyle.  Instead, those who follow this get to indulge and enjoy a more luxurious lifestyle, while still

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barista fire

Barista FIRE UK: The Complete 2026 Guide (With Worked Examples)

Disclaimer This post is not to be considered as financial advice or UK tax advice. This is for educational purposes only. Investment returns do vary and this is an illustrative example. When you invest your capital is at risk. Barista FIRE is the semi-retirement approach where you save enough that the 4% rule covers most

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what is the average pension pot in the uk

What Is the Average Pension Pot in the UK? (2026 Stats)

Quickfire Roundup: The average pension pot in the UK is currently £18,772 per year. This is just about enough to cover basic necessities. Geography and age also play a part, with people over 55 living in the South East statistically likely to have the biggest pension pot. Most people supplement their state pension with their

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ISA For Beginners

ISA for Beginners: Everything You Need to Know to Get Started

Quickfire Roundup: An Individual Savings Account (ISA) is a means of saving and investing money without having to pay income tax or capital gains tax. Every adult in the UK can open an ISA – including you. It allows you to save a maximum of £20,000 without paying any taxes. There are several different types

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average monthly mortgage payment uk

The Average Monthly Mortgage Payment In the UK (Shocking Truth)

Quickfire Roundup: When it comes to an average monthly mortgage payment, and when looking at average mortgage interest rates, you’ll find yourself paying around £712 per month.  Of course, much will depend on the part of the country that you live in, with average mortgage payments topping £1,100 in the south, and as low as

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