Transforming personal finance since 2011

Welcome to the PEF Community

Timely support and a friendly community to help you get your finances in order. Join hundreds of like-minded investors in our secure, online community.

"Research shows that as many as 75% of people in the UK worry about their financial situation."

Source: The Independent

"In America, 25% of people say they worry about money 'all the time'."

Source: CNBC

It need not be like this!

We created our online Community to address this problem head on.

Our company mission is to improve the financial affairs of as many people as possible.
We believe that the most effective way that we do this is through our “How to Own the World” Community.

Our live and interactive Community is the most effective tool to help you actually take the steps required to make a huge difference to you finances.

  • “I can’t begin to tell you how grateful I am to be part of the Community. It has not only helped my knowledge on investing and planning for my future, but it has also completely changed my mindset towards finance, wealth management and my daily spending habits. Andrew and the guys will always come back and give wonderful advice on any question you may have no matter how silly they may seem.”
    — Callum K.
    Community Member

Hack your way to financial success by sharing your journey…

There is a great deal of evidence that the best way to ensure you take action in any area of your life is to surround yourself with other people on the same journey as you.

Just as with going to the gym or learning any new skill – accountability is key. We humans are social animals and tend to make far more forward progress in our lives when we are on a journey with a group or team than if we try to go it alone.

Over the years, I have written two books and we have also made a tonne of information freely available in the opinion and press sections of this website.

This is all great - but one thing we have learnt from people in that time is that information alone will only get you so far. Far more important for people to actually get the RESULT they want for their finances, is to maximise their chances of taking necessary ACTION.

This is why we created our online Community. It is an ongoing source of financial education, inspiration and the accountability that goes hand in hand with being part of a group of like-minded individuals on a similar journey.


What are the benefits?

The ultimate goal of the service is for you to achieve a five, six or even seven figure result for your net worth over time. This is a marathon, not a sprint. The group is all about long-term investing, not short term trading.

When you join – you get sent a free digital copy of my workbook “Live on Less, Invest the Rest…”. You can download a free sample to get a flavour.

The workbook gives you a way of thinking about how to go about getting your finances sorted and a roadmap of specific actions you might take…

The real value in joining the group, however, is in the interactivity – your ability to ask questions and to contribute.

By virtue of being a member – not only do you get direct access to me, but to a phenomenal “brain trust” of hundreds of like-minded people on a similar journey to you.

  • “The sheer depth of knowledge offered by other members is astounding. Then, the resources available on top. Truly excellent group.”
    — Daniel H.
    Community Member
  • “Any question you ask in the group is answered by many and everyone is always happy to help. I love that Andrew also answers most questions, on a lot of other groups, you hardly ever hear from the main man/woman.”
    — Laura G.
    Community Member

So - you get access to me and to hundreds of other people just like you on their road to financial freedom.

You also get access to a tonne of valuable content past, present and future. Given that the group has been around for a few years now, there is a large existing body of content covering a very wide range of topics that members can search on their own time.

Most important of all, however, you get confidence in your ability to save and invest successfully. We know that this can bring enormous peace of mind and a real sense of achievement and is one of life’s most important “to-do items” finally sorted…

Who is it for?

The group is open to anyone, from those who are just getting started on their financial journey, to seasoned investors - many of whom often share their knowledge with the rest of the group.

Ultimately this is YOUR community. We listen to what you want to know more about, and I do my best to use my experience and my network to answer your questions and help you succeed.

  • “Before stumbling upon the How to Own the World book, my finances were completely disorganised, and I had no plan for a pension which is pretty appalling for a 44-year-old! The book, along with the information in the Community has been a game-changer. The Community has answered many of the questions that a newbie like me would have and has helped a great deal to setting me on the right path.”
    — Peter K.
    Community Member

What the Community is NOT about…

It is important to understand that the group is NOT a forum for giving members specific investment recommendations or personal, tailored investment advice.

Personal, tailored financial advice is necessarily very expensive - often costing several thousand pounds…

I have written on this subject at length in the past and I explain about this in detail in the beginning of “Live on Less, Invest the Rest…”, but this is not something the group can deliver – largely due to the way that financial advice is regulated in the UK.

What the group can deliver is financial education, rather than financial advice.

…as I say in the first section of the book - our Community is: “…the best way I could think of to help the largest number of people with their finances within the bounds of what is legally permissible and logistically possible.”


How does it work?

The group is hosted in a private Discourse forum. Discourse is the leading discussion platform for communities like ours. Discourse takes all the complexity away and puts just the essential things on screen – the conversations you care most about, based on your participation.

All the modern amenities you’d expect from a big social website like Twitter or Facebook are present in Discourse. Mention someone by @name. Paste in a link or an image, and we make it awesome on your behalf. Simple quoting and linking of replies and topics. Reply wherever you are, online or via email. And it "just works" on your phone and tablet.

Get the Discourse app for iOS here.

How much does it cost?

Membership of our Community costs £9.95 a month.

We genuinely believe that this could well be the best value group of its kind in the UK market. There are plenty of un-regulated groups out there which can cost hundreds of pounds a month. The best investment newsletters can cost several thousand pounds a year.

Our belief is that we offer exceptional value for money and an approach that is far less likely to lose our customers money as compared to so many trading and crypto services for example. We are all about real financial education and long-run investment – not get-rich quick day-trading. We think that this is a far better approach for the vast majority of people.

Please do join us and we hope that you will find that you agree!


£9.95 Inc. VAT. Cancel anytime. NEW
  • Private Discourse site.
  • New PDF Workbook (RRP £20).
  • Likeminded Investors.
  • Support from other members.
  • Cancel Anytime.

Community focused support

Join now. Cancel anytime with no long-term commitment.
From as little as £9.95/month.

Frequently Asked Questions

Can I access the Community without a Discourse account?

Yes. When you join our online community (by purchasing the Community package) we will create an account for you. As soon as you checkout successfully, we will send you an email with all the details you need.

What are the payment options?

The subscription is charged on a monthly recurring basis.

Are my credit card details safe?

Yes. Plain English Finance does not store any of your details and all payments are handled by our payment partner, Stripe. Please look at their article on safe buying for more information.

Can I cancel my membership at any time?

Yes. You have the choice to cancel your subscription at any time. You will not be charged to cancel your membership.