Carl @ KeepyCash

Hey, I'm Carl Ashton! 👋 Let's get to know each other - but first, here's a bit about me: 1. I’m a father of 4 2. The 4th was a “bonus kid” we had when I was 42! 3. I've got a 3rd degree black belt in Wadu Ryu karate (but haven’t practiced in at least 16 years) 4. Grew up on a council estate in the UK 5. I’m an aspiring coffee snob 5. I love a good whodunnit novel (shout out @richardosman - his books got me hooked) 6. I believe I’m what’s known as a “late bloomer” in life 😂 7. My wife and I were once riddled with debt 8. In 2007, I made the worst financial decision of my life. 9. Since then, I've never stopped studying personal finance 10. We’re now debt-free 11. Totally not an expert on money 12. But believe all working-class people must learn about money 11. I follow the best football team on the planet (guess which one) 12. I love to write 13. I hate negativity (wait… is that statement negative?) 14. I’m here to help normal people like me understand their money better… in the hope of keeping more of it! And if all that sounds cool to you -- reply and say hi 🙂

Stop checking your bank account through your fingers like you're watching Saw 4. Start tracking your money, keeping more of it, and easing some damn pressure!

@heyprettylights @DaveRamsey No idea... I'm not a millionaire! 😆

@KeepyCash @DaveRamsey It's hard to do it right? Because the moment that you start telling people hey I'm a millionaire and this is how I did it and everybody calls you crazy. You have to Mentor people it's the only way to do it

People who overcome their circumstances and win with money are not different because they won. They're different because they made a decision to change their life and they took the actions required to make that change a reality.

@LarryMJr51501 @DaveRamsey Yeah it's a tough one man. All we can do is keep trying!

@KeepyCash @DaveRamsey I started following the Dave Ramsey program like 7 years ago. The best way I've figured out spreading the word is sharing it online but also living it.

Yes, they are scamming you. However… The silver lining is it looks like we’re getting less junk food to guzzle down.

@ChrisBarnes3D I’d say that’s a good one. Not a giant sink hole in sight! (Had 3 within 500 meters of my home in glos in the last 3 years)

average british road after a 5.5% increase in council tax

@StretfordPaddck @JayMotty Carragher talking wibble after the match too. Sour grapes much?

🤣 "Liverpool are one of the worst reigning champions I've ever seen... and I've seen David Moyes' United!" @JayMotty isn't having Arne Slot blaming the officials in Liverpool's defeat to United, who he thinks were more than good value for the win 🗣️ #MUFC

@financefraz Dude, so many weird accounts on here…

1300 followers and the same following, amazing numbers but time to have a tidy up I think! Had enough of bots, accounts that just DM as soon as I follow, accounts that don't engage and just sit there, why are you here? RANT OVER lets get tidying!! If I haven't followed you back and you are engaging then please shout below and I'll do it now 👇

@JamesMelville Even at half price, bread and cheese shouldn’t cost that much!

Large domino’s pizza = £24.99

@StretfordPaddck Class act. Keep him, develop him and he’ll be a great player for us

Ayden Heaven (19) vs Liverpool: ✈️ 100% aerial duels won (1/1) ⚔️ 100% ground duels won (5/5) 🧱 6 defensive contributions 🎯 34/38 passing 1 million Great British Pounds 🤣💷 #MUFC

@The_MMW How many are spending more than they earn without realising it? A little tracking goes a long way :)

The roadmap to wealth: 1. Spend less than you earn 2. Increase your income 3. Invest the difference Don't overthink it.

You don’t always need to earn more to clear your debt... You need to keep more of what’s already rightfully yours

@paullewismoney this can't be real. Is it real? "Only drive downhill where possible" No. This can't be real

Only drive downhill where possible. Brain the size of a planet!

The working class can't control the cost of living crisis... only pay for it. My opinion is we must wrestle back control of the things we can actually influence: 1 - Managing our money better. Tracking and budgeting are a must 2 - Can we earn more? Ask for a pay rise. Upskill yourself to move your career to the next step Both can be tricky. But what's the alternative? Just lie there and take it?

I cleared all those debts. Took me longer than two years. Here are 3 things I did: 1 - Tracked my money, found my 'money leaks' 2 - Upskilled myself. Got up at 5am, daily, before work, to study and gain certain certifications. Got a better job. 3 - Asked for a pay rise every year

By 2028: -$0 car debt -$0 student debt -$0 credit card debt -6 month emergency fund Claim it.

Feels like more than that. Like, wtf has happened to the price of olive oil??

@StretfordPaddck @MrStephenHowson @JoeSmith93 If INEOS are NOT better than Matt Judge and Ed Woodward... then it doesn't matter who the manager will be!

✊ "When do you not just give him some f*cking credit?!" @MrStephenHowson and @JoeSmith93 agree Michael Carrick has done more than enough to get the United job 🗣️🔴 #MUFC

@EllardKing The "spending 80% of the time trying to chat up girls at the gym" bothered me more than anything else!

Man, I just can’t wait for tomorrow…

Around 2015, I hated my job. But I knew there was a way out and forward if I could get the Google Certifications. (I think it was SEO/PPC stuff). I got up at 5 am, before work every day, to study. I passed the exams, got the certifications, and ended up landing probably the best job in my area for what I wanted to do (email marketing). That started a 10-year career. So yeah, getting up early and at least doing something can solve many problems :)

I'm increasingly convinced that most problems are solved by waking up early and working out.