How To Start Investing With £100

For years, I thought investing was something people did after they already had money.

I actually started investing a little bit in my early 20s, but I was consistently inconsistent. After paying bills, essentials, and just trying to enjoy life a little, there usually wasn’t much money left over.

So even though I wanted to invest consistently, I didn’t.

At one point, I even convinced myself that if I didn’t have much money, investing should probably be the last thing on my mind and that increasing my income should be the main focus instead.

Now, you hear “increase your income” all the time online in personal finance spaces, but honestly, it’s easier said than done.

I tried climbing the ladder in my profession, which I did successfully, but the financial increase wasn’t life-changing enough to suddenly make me feel financially free.

And over time, I think I became a bit complacent with my financial situation.

Not because I thought it was amazing, but because I was stuck in that strange middle ground where I wasn’t making loads of money, but I was making enough to survive.

That urgency and spark I had in my early to mid-20s slowly disappeared.

But over the last year, something started changing mentally.

I started taking more risks on ideas I would normally only think about but never actually pursue.

I started creating things:

• Digital products

• Books

• Websites

• Service businesses like Biomed Pathway

Now whether those things become massively successful or not is another story , I’m still building and figuring things out.

But the mindset shift that came from finally creating instead of just thinking changed a lot for me.

It made me realise that time waits for nobody.

Even if something fails, even if it starts small, at least you tried.

And honestly, that’s the same mindset I’ve now started applying to investing.

After recently turning 30, I had a moment where I thought:

“What if I had consistently invested even £50 a month over the last few years instead of overthinking it because the amount felt too small?”

Would it have made me rich overnight? No.

But I’d probably still be further ahead than I am now.

And I think that was the biggest mindset shift for me.

Realising that consistency matters more than waiting until everything is perfect.

So here I am now, committing to investing consistently every month regardless of the amount.

As a full-time worker, investing still feels intimidating sometimes.

But this year, I finally decided to stop overthinking it and start investing consistently, even if it’s only around £100–£200 a month.

I’m not pretending to be an expert or millionaire investor either. I’m still early in my journey myself.

I just wanted to build a simple investing system that actually fits my real life and helps me slowly work towards financial freedom over time.

I also made a full video breaking down my beginner investing approach if you prefer watching instead of reading:

The Problem With Investing As A Beginner

I think one of the biggest reasons people delay investing is because it feels way more complicated than it probably needs to be.

Most people think:

• They need loads of money

• They need to fully understand the stock market first

• They need to pick the “perfect” investments

• They need to constantly monitor everything

And honestly, social media sometimes makes it worse.

You constantly see things like:

“If you invested $1,000 into Apple 20 years ago, it would be worth over $100,000 today.”

So suddenly it feels like you need to find the next Apple, Tesla, or Facebook before it blows up.

That can feel overwhelming.

Meanwhile, most normal people are just trying to:

• Pay bills

• Save money

• Survive the month

• Slowly build a better future over time

So investing keeps getting pushed back for years.

That was me too for a long time.

Why I Finally Started Taking Investing Seriously

I had invested small amounts before, but never consistently.

Sometimes I’d put money in, then stop for months.

A big part of my mindset was:

“This amount is too small to even matter.”

I thought I needed more money before investing would even be worth it.

But this year, my mindset started changing.

I started thinking more long-term.

I realised I didn’t want all my money just sitting in cash forever while inflation slowly reduced its value over time.

And historically, broad stock market indexes have generally outperformed inflation over long periods.

That changed the way I started looking at investing.

In my early 20s, I became really interested in stock picking, but I’d eventually fall into analysis paralysis and second-guess every decision.

So instead of trying to become an expert overnight, I decided to focus on building a simple investing system I could realistically stick to long-term.

I’m not saying I’ll never invest in individual stocks again, but right now my strategy is keeping things simple with a minimalist ETF portfolio.

My biggest shift wasn’t even financial.

It was mental.

I stopped seeing investing as something only wealthy people do and started seeing it as a tool that regular people can slowly use to build more freedom and options over time.

Why Investing Matters To Me

For me, investing isn’t really about getting rich overnight.

It’s more about slowly building a better financial future while still working a normal job.

I think a big part of it is trying to make the best use of the resources I already have instead of letting everything just sit still.

I still believe saving money is important, and increasing income is vital too.

But I also realised saving money alone probably isn’t enough for a long-term financial plan.

Saving feels more like defence. Increasing income and investing feels more like offence.

I wanted my money doing something in the background instead of everything just sitting as cash in a savings account.

And because I’m thinking more long-term now, I wanted an investing approach that felt calm, sustainable, and realistic.

Not stressful.

My Simple £100 A Month Investing System

1. I Chose Simplicity On Purpose

One thing I realised very quickly is that finance online can become overwhelming fast.

There are:

• Too many opinions

• Too many strategies

• Too many people telling you different things

I didn’t want investing to become another stressful thing in my life.

Between working NHS shifts, building businesses, writing articles, and trying to grow YouTube consistently, I knew I needed something simple.

I wanted investing that actually fit my lifestyle.

2. I Use A Stocks & Shares ISA

Right now, I invest using a Stocks & Shares ISA.

One reason I liked this approach as a beginner is because investments inside the ISA can grow tax-free.

Any gains or dividends inside also stay tax-free, which makes it a really useful long-term investing account in the UK.

I’m not going too deep into tax rules because honestly, I wanted this article to stay beginner-friendly.

But for me, using a Stocks & Shares ISA just felt like a simple and tax-efficient way to invest long-term.

3. Why I Chose ETFs

Instead of trying to pick loads of individual stocks, I decided to mainly focus on ETFs.

As a beginner, ETFs just felt:

• Simpler

• Less stressful

• More diversified

• Easier to manage long-term

I also liked that I don’t need to constantly monitor them every day.

Right now, simplicity helps me stay consistent.

I’d rather focus on building the investing habit first instead of trying to become a stock-picking expert overnight.

4. My Actual Investing Approach

My approach right now is honestly very simple.

I mainly invest in an ETF that tracks the FTSE All-World Index, which basically gives broad exposure to the global stock market, and another ETF that tracks the 100 largest non-financial companies listed on the Nasdaq stock exchange, which is heavily weighted towards technology companies.

So currently, my portfolio is roughly 60% FTSE All-World ETF and 40% Nasdaq 100 ETF.

That’s it.

I’m not trying to build some overly complicated portfolio right now.

5. Why I’m Avoiding Individual Stocks Right Now

I’m not against individual stocks at all.

But right now, I know myself.

I know I’d probably overcomplicate things, become emotional, overanalyse everything, and spend too much time trying to figure out the “perfect” time to buy a stock at a discounted price.

ETFs just feel more suitable for my current lifestyle and stage as a beginner investor.

Maybe that changes later on.

But for now, keeping things simple helps me stay consistent.

6. Automation & Consistency

I recently started investing in the market every month, which is known as dollar-cost averaging.

Instead of trying to perfectly time the market, I’m focusing more on consistently investing regardless of whether the market is up or down.

It’s more about time in the market rather than trying to time the market perfectly.

Automating my investing also removes a lot of emotion from the process and helps me stay consistent long-term.

Whether you start with:

• £10

• £20

• £50

• £100

…it still counts.

Starting small is still starting.

And honestly, removing emotions from the process helps a lot too.

The more automatic investing becomes, the easier consistency feels.

I realised investing isn’t really about being perfect. It’s about being consistent.

Mistakes I’m Trying To Avoid

There are a few mistakes I’m personally trying to avoid during this journey:

• Waiting for the “perfect” time

• Buying stocks based on hype instead of doing my own research and due diligence first

• Overcomplicating investing

• Comparing myself to people online

• Thinking I need loads of money to start

• Letting fear stop me from investing at all

Because building wealth probably looks a lot more boring and consistent than social media makes it seem.

Final Takeaway

I’m still early in my investing journey too.

I’m still learning.

Still figuring things out.

But one thing I’ve realised already is that small habits really do compound over time.

For me, this isn’t about becoming rich overnight.

It’s about slowly building more financial freedom over time.

And honestly, I think that approach feels a lot more realistic and sustainable.

You don’t need to know everything before you start.

You just need to start somewhere.

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