Category Archives: Money

I’m sad at work and don’t know what to do with my life

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You’ve been working hard to tick the expected boxes, maybe it’s time to find and tick you own

The question I am 37, have a lovely husband and a wonderful child, and a job in the creative industries. The problem is that I haven’t been happy in my career for a long time and have felt very stuck, and every now and again I end up crying because I just don’t know what to do with my life. I was an over-achiever at school (worked hard, got the grades, went to a good university), but am now in a role where there is little progression and I’m not sure I even want to stay in this career.

I am realising that I have spent so much time trying to do what is expected of me that I have absolutely no idea what it is that I want to do. I also cringe at how much I put up with in my 20s. I chased men I knew deep down I didn’t really like and took on all kinds of extra tasks at work with the promise that it would look good on the CV, but got few promotions.

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‘It is devastating’: the millennials who would love to have kids – but can’t afford a family

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They are working three jobs, changing careers or moving to faraway areas with affordable housing in order to drum up enough money for children of their own. Sadly the numbers still don’t add up


“People need to stop telling me to ‘just get on with it’ if I want to have children,” Jen Cleary says, clearly exasperated. “Most of my generation simply cannot afford to. Being childless is out of my hands and it is a devastating and frustrating reality.” Cleary, a 35-year-old former teacher, is recounting how financial precariousness means that her dream of having a family may never come true. It is an experience that many millennials – defined roughly as those born between 1981 and 1996 – have encountered.

The UK’s birthrate is at a record low, with fertility rates for women under 30 at their lowest levels since records began in 1938. There are many factors that contribute to this, including the fact that many people struggle with infertility; some make a positive personal choice not to have children; and others decide against having kids because of the uncertainties and peril of the climate crisis. But finances and the rising costs of living are a persistent and growing issue. Just last month, the Labour party chair, Anneliese Dodds, pointed out that many people are being forced to put off settling down and having families thanks to “cost pressures” overseen by the current Tory government.

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Time millionaires: meet the people pursuing the pleasure of leisure

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It is often a struggle just to stay afloat. But if you had enough money, would you pursue more of it – or should time now be our greatest aspiration?

In every job he has ever had, Gavin has shirked. When he worked in a call centre, he would mute the phone, rather than answer it. When he worked in a pub, he would sneak out of the building and go to another pub nearby, for a pint. His best-ever job was as a civil servant. He would take an hour for breakfast, and two for lunch. No one ever said anything. All his colleagues were at it, too.

When the pandemic began, Gavin, now working as a software engineer, realised, to his inexhaustible joy, that he could get away with doing less work than he had ever dreamed of, from the comfort of his home. He would start at 8.30am and clock off about 11am. To stop his laptop from going into sleep mode – lest his employers check it for activity – Gavin played a 10-hour YouTube video of a black screen.

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Intimate data: can a person who tracks their steps, sleep and food ever truly be free?

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Big tech now encourages us to monitor everything from our heart rate to our glucose levels via smartphones and watches. How much privacy have we lost to the promise of self improvement - and is it time to stop?


First we counted our steps, then our heartbeats, blood pressure and respiratory rates. We monitored our sleep, workouts, periods and fertility windows. But there is plenty left to measure as we are sold the promise of self-optimisation by the vast and sometimes controversial frontier of health tracking – an increasingly medicalised market that has flourished since pedometers went digital and watches got smart.

The latest health metric available to consumers comes from a medical device originally designed for people with diabetes; it allows users to track their blood sugar levels. But, as always, the big questions are: will it make us healthier, and is it wise to sacrifice ever more intimate data?

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‘Eerie silence’ as Evergrande misses payment deadline

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As debt-laden Chinese property giant enters 30-day grace period, officials look to limit unrest and job losses

The embattled Chinese property developer Evergrande is inching closer to the potential default that investors fear, after missing an interest payment deadline.

The company, which has total debts of about $305bn (£222bn), has run short of cash, and investors are worried that a collapse could pose systemic risks to China’s financial system and reverberate around the world.

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British ‘baby shortage’ could lead to economic decline, says thinktank

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Social Market Foundation suggests measures including better childcare provision to increase birthrate

Britain is facing a “baby shortage” that could lead to “long-term economic stagnation”, a thinktank has said.

The Social Market Foundation (SMF) said the birthrate was almost half what it was at its postwar peak in the 1960s, and the country’s ageing population could lead to economic decline.

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Business minister bids to calm crisis fears as UK gas prices soar

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No cause for alarm now, says Kwasi Kwarteng as energy discussions are likened to early Covid crisis talks

The government was scrambling on Saturday night to reassure Britons that rising gas prices would not plunge the country into an energy crisis, as ministers held a series of emergency meetings with energy companies and regulators to establish whether the nation could keep the lights and central heating on this winter.

A senior industry insider likened the meetings held between the business secretary, Kwasi Kwarteng, and energy industry leaders to the early crisis talks held following the outbreak of Covid-19.

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Fire shuts one of UK’s most important power cables in midst of supply crunch

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Coal plants being warmed up as market prices surge to £2,500 per MWh from a norm of £40

A major fire has forced the shutdown of one of Britain’s most important power cables importing electricity from France as the UK faces a supply crunch and record high market prices.

National Grid was forced to evacuate staff from the site of the IFA high-voltage power cable, which brings electricity from France to a converter station in Kent, where 12 fire engines attended the blaze in the early hours of Wednesday morning.

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UK workers on returning to the office: ‘No point if I end up doing video calls’

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Some welcome the routine, while others are concerned about how it will work without everyone in at the same time

Workers in the UK have gradually been returning to offices in recent weeks, after the lifting of coronavirus restrictions. While many firms have adopted a flexible arrangement that combines remote and office work each week, many others have called their employees back full time.

For some, it is a welcome return to normality, but others have raised concerns about their health and working conditions.

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‘A kick in the teeth’: British mothers and pregnant women fear return to workplace

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Companies recalling staff this month have been accused of not offering flexitime and failing to protect employees

Before the pandemic, every morning and night was a cycle of stress and rushing around for single mother Emma Woodburn, getting her two young sons to and from school, childcare before and after work and staying on top of housework.

But when, 18 months ago, the 39-year-old from Lancashire was told by her employer she could work from home, everything changed. “It was like a weight was lifted. It was less rush in the morning. I could put the washing on throughout the day and hang it out on my dinner break. It just felt easier.”

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Stress test: how ‘burnout breaks’ are helping staff recover from pandemic

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Businesses are becoming increasingly aware that exhaustion is a ticking timebomb

This week, staff at Nike’s headquarters in Oregon breathed a prolonged sigh of relief, after learning that they were getting a week off to de-stress and recover from the pressures of the Covid-19 pandemic.

In an open message to staff posted on LinkedIn, Nike’s senior manager of global marketing science, Matt Marrazzo, told staff: “In a year (or two) unlike any other, taking time for rest and recovery is key to performing well and staying sane.”

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From solar power in Africa to UK tomatoes – the eco-schemes to turn your cash green

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Savings rates are low but some green investments can pay up to 8% interest a year

Environmentally conscious consumers fed up with low savings rates are being targeted by a variety of green investments paying up to 8% interest a year.

However, those thinking about signing up need to be prepared to accept some risk to their cash. This is a lot riskier than a bank or building society savings account.

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Disinfection robots and thermal body cameras: welcome to the Covid-free office

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A workplace in Bucharest filled with anti-virus innovations could become the new normal in office design, its creators hope

Not so long ago it may have seemed more like a futuristic vision of the workplace – or a hospital.

But the hands-free door handles, self-cleaning surfaces, antimicrobial paint, air-monitoring display tools, UV light disinfection robots, and 135 other measures at an office block in Bucharest are here to stay, say the creators behind what they are touting as one of the world’s most virus-resilient workplaces, which they hope will become the new normal in office design.

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Office politics: firms still grappling with home working puzzle

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Whether seen as an obstacle to overcome or a once-in-a-lifetime opportunity, home working is proving hard to avoid

As the pandemic struck wealthy economies in early 2020, workers (in white-collar jobs, at least) found themselves carrying out their duties from home. Now that vaccination programmes are continuing apace, more companies are grappling with how – and whether – to end the great enforced experiment in home working.

The answer is far from settled, with Apple telling its global workforce on Friday that they will not return to its corporate offices until January at the earliest, amid concern over the spread of new coronavirus variants. The tech company’s original plan to bring staff back in on Mondays, Tuesdays and Thursdays in a hybrid home-working pattern had already been delayed from early September to October.

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A moment that changed me: my boss discovered my secret blog

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Bored working in a law firm in Brussels, I filled my time writing anonymously online about love, life – and how dull my job was. Then my colleagues found my posts ...

I wouldn’t say I was a model employee in the law firm where I worked for nearly 10 years, but I was quietly reliable and kept out of trouble. That all changed when I was summoned to the office of the senior partner – a man I had never met – to face him, my distinctly sombre-looking boss, and a stony-faced HR rep. I was definitely in trouble: my employers knew about my anonymous blog.

The blog and work had been connected from the start. Trying to reconcile parenting two tiny children, intense hours and the demands of our terrifying clients as a solicitor in the City had proved impossible, so I had taken a backseat role in Brussels instead. It was not a job I particularly enjoyed, but it was easy and I never had to speak to bankers. The work was low-stress, but boring; inevitably, I spent those bored hours on the internet.

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Three, two, win? How to adapt to hybrid home and office working

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Experts offer their advice on how companies and staff can move to a more flexible model of work

Working 3:2, what a way to make a living – but a new way that may take a little getting used to, according to experts.

As coronavirus restrictions lift, many companies whose staff have worked from home for 18 months are asking those workers to dust off their bras and smart trousers and return to the office part-time.

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Vodafone to reintroduce roaming fees for UK customers in Europe

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Provider joins EE in bringing back charges for people to use their phone in mainland Europe from next year

Vodafone is to reintroduce charges for UK customers who use their phones in Europe, despite Britain’s biggest mobile companies previously saying that they would not bring back roaming costs after Brexit.

Vodafone said new customers and those upgrading will have to pay up to £2 a day to use their monthly allowance of data, calls and text messages in mainland Europe.

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‘You’re not snowflakes’: baby boomers answer gen Z’s biggest questions

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It can feel as if the generation gap is wider than ever – but not when people really talk. Here, four sixtysomethings offer advice to those in their teens and 20s

We live in an era in which, for the most part, the generations do not mix frequently. Grandparents are visited occasionally; young people seek the freedom of independent living as early as possible. On social media, intergenerational warfare is commonplace, as members of gen Z (those born between the mid-90s and the early 10s) criticise older people for hoarding wealth, while baby boomers bemoan the perceived sensitivity of the younger generation.

But what would happen if baby boomers gave the TikToking young adults of today an insight into their thinking – and threw some life advice into the bargain? To that end, we assembled a panel of baby boomers – Tayo Idowu, 64, a marketing director from London; Liz Richards, 68, a retired nurse from Derby; Paul Gibson, 63, an accountant from Arundel, West Sussex; and Maggie Tata, 65, a carer from London – to answer gen Z’s questions (even the tongue-in-cheek ones).

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From Oslo pram guy to the teenage vacuum expert: inside the obsessive world of niche online reviewers

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Wade can tell you the best pram for a tall parent; Matthew knows which cleaner has superior suction power. But how do you become a respected reviewer on the wild west of the internet?

Once a month, every month, more than 8,000 strangers pay James Hoffmann a total of £16,263 so he can go out and buy coffee machines. Hoffmann, 41, from London, is an author, business owner, coffee connoisseur and, above all, a YouTuber: more than 900,000 people subscribe to his channel, on which he discusses everything to do with beans and brewing. Around a third of Hoffmann’s videos are product reviews: grinders, espresso machines, storage canisters and filters have all been scrutinised by him.

Hoffmann’s monthly £16,000 comes from Patreon, a membership platform that allows fans to pay creators a regular fee. The money is intended to keep him impartial: it enables him to buy machines to review directly – just like you or me – instead of getting them on loan from brands.

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Cryptocurrencies could lead to ‘limitless’ losses for UK government

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Experts warn of danger of untraceable funds if companies accepting payments in cryptos go bust

The government could face “limitless” losses as a result of businesses that accept payments in untaxed and untraceable cryptocurrencies going bust, an insolvency expert has warned.

A growing number of companies, including the ethical cosmetics firm Lush and office-sharing firm WeWork, have begun taking payments for goods and services in cryptocurrencies such as bitcoin, alongside debt, credit or cash.

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