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Welcome to The Money Gym!  My name is Nicola Cairncross and in 2003, I wrote this book to share everything I’d learned about how money works.  I’ve had some great mentors who have taught me a lot about getting out of debt, building a business, creating a passive income online, property investing and the stock market.

While I started out at 38 completely clueless, everything’s changed for me now.  It happened quickly too!

In 2010, I re-wrote parts of the book to take into account the changes in the property market.  It’s now time to rewrite the Stock Market section to take Cryptocurrencies into account and also the Internet section because everything has completely changed there too.

This blog is where you can find those re-writes first.  If you want to keep up to date with all new materials, just click here, download the existing book free of charge and I’ll update you every time I update this website.