Take Control

Virtual Money Coach

Take control of your life by taking control of your money. Ensure your money works to create the life you want. Get 1-2-1 help with your finances and use my wisdom to learn how to manage your own money effectively.

Online Courses

For those that want to manage their own finances and learn how to make good financial decisions, Small Acorn Money’s online courses will empower you to take control.


Start taking control of your money by becoming educated. A great place to start is the book ‘Your Path to Prosperity’.

Money Musings

Check out my thoughts on financial planning and investing, timeless money lessons, tools and techniques for managing your money.

Britain's Debt Disaster Campaign

Join the campaign to help restrict the amount of debt in the UK and to escape from Britain’s Debt Disaster.

Guide to Financial Advice

This guide will explain all you need to know about obtaining financial advice. I can also help put you in touch with a reputable financial adviser.

About Small Acorn Money

How I Can Help You

Small Acorn Money was created from the well known saying, “from small acorns mighty oaks grow”.

I will teach you how to take control of your money and make better financial decisions. Simply put, I aim to improve the finances of people in the UK.

Small Acorn Money aims to achieve this by providing educational digital courses, e-books and regular tips and opinions through the frequent blog, money musings.

If you would like a more bespoke educational service, I offer virtual money coach, where I will help you take control of your finances and develop a comprehensive financial plan to ensure your money is aligned to your life.

I also wish to raise awareness over the dangers of debt and to help restrict the amount of debt that people are taking on, which ultimately leads to financial ruin and impoverishment.

The two lessons that provide the foundation of Small Acorn Money are based upon the two quotes to your right. These lessons are simple to learn, yet are so often completely ignored by most of the population.



When you combine the two most important lessons outlined above, you will find your prosperity will gradually increase and your life will be enhanced, much in the same way as an acorn grows into an oak tree over many years.

But these lessons are just the foundation.

With all of the available investment options, how do you invest wisely? How do you ensure you have financial freedom? How can you enrich your life and increase your family’s prosperity?

Well this is where Small Acorn Money can help. I will teach you how to manage your own money. Don’t leave your future prosperity in someone else’s hands.

Take control.

Mark Underdown

Financial Coach, Small Acorn Money

Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn’t … pays it

Albert Einstein

Annual income twenty pounds, annual expenditure nineteen pounds nineteen shillings and six pence, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.

Charles Dickens, from the book David Copperfield

Knowledge Creates Wealth

Check out these e-books

Your Path To Prosperity

This book breaks down the 12 key lessons needed to prosper in the digital age. It illustrates in detail the best investment you can ever make and how the digital age has made this investment easier than any other time in history. It shows how the rich create, build and maintain their wealth and how you can too.

Don't Lose Your Shirt

Most books about investing talk about how much money you can make, yet long-term investment success comes from avoiding mistakes and the various types of risks you can take with your money. If you don’t want to lose your shirt and ensure your investment success isn’t short lived, this book is a must read.

Britain's Debt Disaster

Britain is indebted to a tune of trillions of pounds! Find out how we have become enslaved to debt at every level of our economy, from consumers to homeowners and the government. Find out why this is such a huge disaster and how you can escape your own personal debts.

Latest Money Musings

The simple way to avoid debt at Christmas

Spend less than you earn. Don’t spend money you don’t have on things nobody needs. These tips, like many aspects of managing money, are rather simple, and yet I can guarantee there will be thousands, perhaps even millions, who ignore this sound advice and get...

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You’re being financially repressed

Make no mistake you are being financially repressed. You may not have heard this term mentioned in relation to your personal finances so firstly, I will explain what financial repression is before outlining some of the methods currently being used to financially...

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What goes into your comprehensive financial plan?

What goes into your comprehensive financial plan? This guide provides an overview of Virtual Money Coach; the unique and unbiased comprehensive financial planning service. Find out how my services can help you, what's involved in the process and why this service is...

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Money worries? How to Stop Worrying About Money

Money worries. We all have them in some form, right? Some of us have no real need to worry about money, and some of us should perhaps worry a little more about it! Money worries are sometimes justified, but often illogical, however at all times, money worries are...

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Do depressions no longer exist?

Rather than dealing with the issues created by decades of ever increasing debt, we appear to prefer a policy of denial and repetition of the same mistakes. Our politicians and central bankers appear to be playing a modern game of hide and seek, as poorly played by...

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7 steps to financial freedom

Here are the 7 steps to financial freedom: 1. Avoid debt like the plague. If you are in debt you owe your time and labour to someone else. You are a serf. To have financial freedom you need to be free from debt. 2. Spend less than your earn. Spending more than you...

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Inheritance Tax Allowance

The inheritance tax allowance is important when planning to mitigate your inheritance tax liability. In simple terms, it's what the government allows you to pass on tax free, with everything in your estate above this figure subject to inheritance tax when you die. But...

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IHT nil rate band

Inheritance tax is payable in the UK when the value of your estate (property, money and possessions) are above a certain limit. Anything below this limit is known officially as the IHT nil rate band. It is known as the nil rate band because inheritance tax within this...

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Common types of investment risk

Successful investing rests upon understanding, accepting and managing the various types of investment risk you face. The decisions we make today have to interact with the future before we know whether the correct decisions have been made; i.e. whether we have...

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Financial vs. personal decisions

The best financial decision isn't always the correct one to take. Your personal decisions need to reflect an understanding of your finances, but a commerical reality isn't the only reality to consider. Your personal decisions need to be unique, based on your life's...

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Don’t Outlive Your Money

How much is enough for your retirement? Many people often think about this but few take action to address it. Research indicates that us Brits are one of the world's worst at saving for retirement. The average British worker saves less than £1.80 a day for...

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