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

Mind The Yield Gap

In this article I will discuss the yield gap. Taking higher investment risk requires the reward of higher return, otherwise who would ever invest in the riskier activities? Just because the theory makes sense, it doesn’t necessarily translate to you actually being...

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What mid life crisis?

We've all heard the joke about people having a mid life crisis. That guy in their forties and fifties who goes out and buys a convertible sports coupe or Harley Davidson are labeled as going through some form of mid life crisis – but for the vast...

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Hate Money? Love Life!

There are many who appear to hate money, well at least that’s my interpretation via the media, but I’m sure everyone loves life. The two are irrevocably intertwined and I also feel that this perception of money being evil, or that you somehow hate money and wealth is...

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Guaranteed Investment Return

The promise of a guaranteed investment return. Sounds attractive doesn't it? If you do not read this article (repeatedly until the lesson sinks in) then I'm afraid that your path to prosperity is at great risk and could very well end up losing your shirt. You are no...

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Tax avoidance morality

The phrase tax avoidance will no doubt raise a few blood temperatures. Tax avoidance is clearly a sensitive subject. The outrage in the UK over the recent Panama papers revelations and in particular David Cameron’s father’s offshore financial affairs, highlights this...

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We are all wealthier than Emperors and ice cream proves it!

For those who are critical of capitalism, they should probably take a closer look at history to obtain some perspective of the real world. Peasants of today (like me) live a more comfortable existence with a greater variety of produce and services, than an emperor...

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Margins of safety when financial planning

When creating your financial plan we are going to get some factors wrong. When investing mistakes will be made. But don’t worry. Investing and financial planning are about allocating your resources sensibly for the future. The very nature of the future (i.e. it hasn’t...

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Retirement Reality

Retirement is often marketed with images of happy and healthy people playing golf, going on cruises or walking in a park or the great outdoors. But your approaching retirement reality is likely to be filled with a combination of excitement, relief, worry or outright...

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Get some fuck you money

(This article, as the title 'get some fuck you money' indicates, is a little impolite and in your face. If that sort of thing offends you then it's probably best to read my other money musings that are far more polite.) Many financial planners rightfully trumpet...

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How to think about insurance – using logic

Here’s how you should think about insurance. First think about the severity of the risk you are protecting against and secondly consider the possible scenarios that will occur in the future. Severity of risk Is the event you are insuring against likely to have a...

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The best way to save for your children and grandchildren

Many of you wish to set aside some money to help your children when they get older. There is one way of saving for your children, which trumps any other available option. That option is to save into a personal pension. Many people don’t realise that you can save into...

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