Emma Davies

Emma Davies brings fresh perspective to personal finance as a millennial money expert focused on helping young professionals build wealth. A qualified accountant (ACA) with 6 years at Big Four firms, Emma specialises in salary sacrifice schemes, student loan strategies, and first-time buyer guidance. Her practical advice has helped thousands of graduates navigate complex financial decisions, from LISA optimisation to pension planning. Emma's approachable style makes advanced financial concepts accessible, particularly for those starting their wealth-building journey. She's a regular contributor to financial literacy workshops and university career seminars.

Student Loan Repayment Strategy: Should You Pay Early or Invest?

23/07/202509/07/2025 by Emma Davies

The £50,000 Question: Should You Pay Off Student Loans Early or Invest? The average UK graduate faces a £35,000 student loan debt – but paying it off early could cost you £100,000 in lost investment returns. This stark reality highlights one of the most crucial financial decisions facing millions of British graduates: should you aggressively … Read more

Salary Sacrifice vs Direct Purchase: The Ultimate UK Calculator Guide

23/07/202504/07/2025 by Emma Davies

person in blue red and white long sleeve shirt wearing silver round coins

Discover how salary sacrifice schemes could save you £2,400+ annually. Compare pension contributions, childcare vouchers, cycle-to-work, and electric car schemes with our comprehensive UK calculator guide.