Skip to content
By using Twitter’s services you agree to our Cookies Use. We and our partners operate globally and use cookies, including for analytics, personalisation, and ads.

This is the legacy version of twitter.com. We will be shutting it down on June 1, 2020. Please switch to a supported browser, or disable the extension which masks your browser. You can see a list of supported browsers in our Help Center.

  • Home Home Home, current page.
  • About

Saved searches

  • Remove
  • In this conversation
    Verified accountProtected Tweets @
Suggested users
  • Verified accountProtected Tweets @
  • Verified accountProtected Tweets @
  • Language: English
    • Bahasa Indonesia
    • Bahasa Melayu
    • Català
    • Čeština
    • Dansk
    • Deutsch
    • English UK
    • Español
    • Filipino
    • Français
    • Hrvatski
    • Italiano
    • Magyar
    • Nederlands
    • Norsk
    • Polski
    • Português
    • Română
    • Slovenčina
    • Suomi
    • Svenska
    • Tiếng Việt
    • Türkçe
    • Ελληνικά
    • Български език
    • Русский
    • Српски
    • Українська мова
    • עִבְרִית
    • العربية
    • فارسی
    • मराठी
    • हिन्दी
    • বাংলা
    • ગુજરાતી
    • தமிழ்
    • ಕನ್ನಡ
    • ภาษาไทย
    • 한국어
    • 日本語
    • 简体中文
    • 繁體中文
  • Have an account? Log in
    Have an account?
    · Forgot password?

    New to Twitter?
    Sign up
sebinsua's profile
Seb Insua
Seb Insua
Seb Insua
@sebinsua

Tweets

Seb Insua

@sebinsua

→ @nouswaves

London, England
sebinsua.com
Joined September 2015

Tweets

  • © 2020 Twitter
  • About
  • Help Center
  • Terms
  • Privacy policy
  • Imprint
  • Cookies
  • Ads info
Dismiss
Previous
Next

Go to a person's profile

Saved searches

  • Remove
  • In this conversation
    Verified accountProtected Tweets @
Suggested users
  • Verified accountProtected Tweets @
  • Verified accountProtected Tweets @

Promote this Tweet

Block

  • Tweet with a location

    You can add location information to your Tweets, such as your city or precise location, from the web and via third-party applications. You always have the option to delete your Tweet location history. Learn more

    Your lists

    Create a new list


    Under 100 characters, optional

    Privacy

    Copy link to Tweet

    Embed this Tweet

    Embed this Video

    Add this Tweet to your website by copying the code below. Learn more

    Add this video to your website by copying the code below. Learn more

    Hmm, there was a problem reaching the server.

    By embedding Twitter content in your website or app, you are agreeing to the Twitter Developer Agreement and Developer Policy.

    Preview

    Why you're seeing this ad

    Log in to Twitter

    · Forgot password?
    Don't have an account? Sign up »

    Sign up for Twitter

    Not on Twitter? Sign up, tune into the things you care about, and get updates as they happen.

    Sign up
    Have an account? Log in »

    Two-way (sending and receiving) short codes:

    Country Code For customers of
    United States 40404 (any)
    Canada 21212 (any)
    United Kingdom 86444 Vodafone, Orange, 3, O2
    Brazil 40404 Nextel, TIM
    Haiti 40404 Digicel, Voila
    Ireland 51210 Vodafone, O2
    India 53000 Bharti Airtel, Videocon, Reliance
    Indonesia 89887 AXIS, 3, Telkomsel, Indosat, XL Axiata
    Italy 4880804 Wind
    3424486444 Vodafone
    » See SMS short codes for other countries

    Confirmation

     

    Welcome home!

    This timeline is where you’ll spend most of your time, getting instant updates about what matters to you.

    Tweets not working for you?

    Hover over the profile pic and click the Following button to unfollow any account.

    Say a lot with a little

    When you see a Tweet you love, tap the heart — it lets the person who wrote it know you shared the love.

    Spread the word

    The fastest way to share someone else’s Tweet with your followers is with a Retweet. Tap the icon to send it instantly.

    Join the conversation

    Add your thoughts about any Tweet with a Reply. Find a topic you’re passionate about, and jump right in.

    Learn the latest

    Get instant insight into what people are talking about now.

    Get more of what you love

    Follow more accounts to get instant updates about topics you care about.

    Find what's happening

    See the latest conversations about any topic instantly.

    Never miss a Moment

    Catch up instantly on the best stories happening as they unfold.

    1. Seb Insua‏ @sebinsua 30 Oct 2019
      • Report Tweet
      • Report NetzDG Violation

      Personal Finance when I first left University: 1. Receive income and escape overdraft. 2. Spend indiscriminately for the first week. 3. Check my bank account 3 weeks in and realise I'm back in my overdraft again. 4. Literally stop going out as I can't afford a beer.

      1 reply 0 retweets 1 like
      Show this thread
    2. Seb Insua‏ @sebinsua 30 Oct 2019
      • Report Tweet
      • Report NetzDG Violation

      Personal Finance in my thirties: 1. Receive income that is automatically sorted (thanks @monzo!) into separate pots for my fixed costs (Rent, Bills, etc). 2. Multiple AI savings accounts that automatically and steadily extract money during a month (@withplum, @Get_Chip).

      1 reply 0 retweets 3 likes
      Show this thread
    3. Seb Insua‏ @sebinsua 30 Oct 2019
      • Report Tweet
      • Report NetzDG Violation

      3. All accounts managed with a single app (@emma_finance). Abuse of the custom "Loans" feature as a way of making large future costs explicit - for example, I am self-employed, so use a 'Self Assessment Tax' "loan" to make it explicit that I owe tax.

      1 reply 0 retweets 2 likes
      Show this thread
    4. Seb Insua‏ @sebinsua 30 Oct 2019
      • Report Tweet
      • Report NetzDG Violation

      4. Use of @monzo 'Fixed Savings Pots' to both lock money away temporarily for these large future costs and earn interest while doing so. 5. Use of @monzo 'Early Access Savings Pots' with goal amounts setup for costs that I want to have amortized over multiple months.

      1 reply 0 retweets 1 like
      Show this thread
    5. Seb Insua‏ @sebinsua 30 Oct 2019
      • Report Tweet
      • Report NetzDG Violation

      Basically, I've automated financial responsibility. I've written this up because I don't know how many people are aware that this is possible now. Part of the work is manual: you need to look at your repeating fixed costs and then setup financial pots that will handle these.

      1 reply 0 retweets 1 like
      Show this thread
    6. Seb Insua‏ @sebinsua 30 Oct 2019
      • Report Tweet
      • Report NetzDG Violation

      There are manual ways of achieving the same thing (manually moving rent/bills money into a separate account, etc), but Monzo makes it much easier to do this automatically because of the salary sorting feature and the ability to assign bills (and other direct debits) to pots.

      1 reply 0 retweets 1 like
      Show this thread
      Seb Insua‏ @sebinsua 30 Oct 2019
      • Report Tweet
      • Report NetzDG Violation

      This could be improved with better ways of seeing repeated costs (e.g. annual coffee expenditures), and then improving the assign bills feature by combining category budgets with pots and allowing transactions other than direct debits to be paid from these.

      6:54 AM - 30 Oct 2019
      • 2 Likes
      • Lee
      1 reply 0 retweets 2 likes
        1. Seb Insua‏ @sebinsua 11 Dec 2019
          • Report Tweet
          • Report NetzDG Violation

          It turns out I had just inadvertently reinvented @ynab's "Four Rules" without realising. A very worthwhile read if you haven't read it already:https://www.youneedabudget.com/the-four-rules/ 

          0 replies 0 retweets 0 likes
          Show this thread
          Thanks. Twitter will use this to make your timeline better. Undo
          Undo

      Loading seems to be taking a while.

      Twitter may be over capacity or experiencing a momentary hiccup. Try again or visit Twitter Status for more information.

        Promoted Tweet

        false

        • © 2020 Twitter
        • About
        • Help Center
        • Terms
        • Privacy policy
        • Imprint
        • Cookies
        • Ads info