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Others: including musicians, podcasters, writers, illustrators, maybe a total of ~2M<
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As with any traditional bank, there is some risk attached to peer-to-peer lending. Zopa have gone a long way to mitigating this by spreading your money across many different borrowers (who are also credit checked). You can also choose products that suit your appetite for risk and reward.
Spending rules can help you be more intentional about purchases, Shekar says. Examples include eating out only once a week, getting a morning latte on specific days or buying new clothes only at the start of a new season. Though they require some discipline to follow, self-imposed rules can make it easier to say "no" to impulse purchases. Once you've mastered these simple spending rules, you can try a no-spend challenge, in which you only pay monthly bills and eliminate extra purchases.
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"Many of the record deals [made] before 2000 didn't recognise that streaming platforms would ever exist," she said. "Therefore, artists didn't have the right mechanisms in place to see those revenues."
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