I cannot contain my excitement at sharing my new discovery with you: a new payment disrupter called Atlantic Money targeting the exchange and transfer of money cross border for large value transactions. Wise and Revolut really cover the small value market but their fees increase as the transaction value rises which makes their service far less attractive. Sold your house in Berlin and now need to move €100,000 to your US bank account for low cost? You can do that for €3 with Atlantic Money. Read on to find out my review.

For a long time, I thought one of the most obvious financial health tools was to have a budget. I even told my friends they should have a budget. And then one day I realized... "I don't have a budget". My immediate thought was to make a budget, because we all know you need one, rather than stopping and asking myself "but do I need one?". In this blog I lay out why I don't have one and what I use in its place.