Money, thought through slowly.
Practical personal-finance guides, written the way the rest of Slow Money is: calm, honest, and free of hype and shame. No get-rich-quick, no hustle, no jargon for its own sake — just clear help for the money situations real people actually face, and permission to move at a sensible pace.
Everything here is written by Mel G. Prosper. It's educational — general information to help you think clearly, not regulated financial advice for your particular circumstances.
How it's organised
How the Journal is organised.
Guides are grouped by the situation you're in, so you can go straight to what's relevant:
Clearing debt
How to face what you owe without panic, choose an order that protects you first, and keep going — including the thinking behind the Snowball Plus™ method.
Money later in life
Catching up, planning for retirement, and making calm decisions when the timeline feels shorter than you'd like.
Sinking funds & saving
Setting money aside for the bills that always seem to "surprise" you, so they stop knocking your plan off course.
Budgeting that sticks
Frames for your month that survive contact with real life — the kind you keep, rather than abandon by the second week.
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The Journal is educational and reflective — general information, not regulated financial advice or a recommendation for your circumstances. If you're in financial difficulty, free and confidential debt advice will help you more than any article: StepChange, National Debtline or Citizens Advice.
Midlife Money Reset: Rebuild Your Plan in Your 40s and 50s
A midlife reset starts with what your money must support now. Work through a balanced budget, debt, earnings, pensions, housing and care, with examples that make the trade-offs visible.
How to Build a Retirement Spending Plan You Can Review
A retirement spending plan compares what you expect to spend with income available at each stage. Start with household costs, check personal pension or Social Security estimates, then identify any gap. The result is a planning question to investigate, not a safe withdrawal rate or proof that you can retire.
Retirement for One: Plan Your Income, Costs and Support
Build a retirement plan around your own household. Separate early funding gaps from later income needs, test the numbers and arrange practical support alongside the financial decisions.
AI and Retirement Planning: Useful Tasks, Clear Limits
AI can help organise retirement questions and explain unfamiliar terms, but its output needs checking against statements, official sources and arithmetic you can reproduce. A fluent answer is not a reliable forecast. Keep decisions about withdrawals, transfers and suitable investments with appropriately qualified people who can assess your circumstances.
Rethinking Retirement: A Practical Plan for Reducing Work
Rethinking retirement means separating three decisions: when to reduce work, when income becomes available and how to cover the gap between them. A gradual exit may help, but it depends on affordable costs and work you can actually keep doing. Test a fallback before making changes that are difficult to reverse.