By Mat Megens
By Mat Megens
10 things I love about money.
A book that focuses on the small things you do every day and how that can completely change your financial happiness, rich or poor. Available June 2025.
years of professional finance experience
HyperJar Awards
HyperJar Awards
HyperJar Customers
From the founder
of HyperJar.
I started HyperJar from a personal frustration of tools to help people manage their spend in a world full of instant payment options and offers of credit. This experience and that of the hundreds of thousands of happy customers inspired this book.
From the founder
of HyperJar.
I started HyperJar from a personal frustration of tools to help people manage their spend in a world full of instant payment options and offers of credit. This experience and that of the hundreds of thousands of happy customers inspired this book.
10 rules that will positively impact anyone, rich or poor
(plus a bonus 11th rule for parents or anyone who has children they care about in their lives)
10 rules that will positively impact anyone, rich or poor
(plus a bonus 11th rule for parents or anyone who has children they care about in their lives)
Learn how to spend smarter
Spending well is a super-power.
…a super-power that almost everyone gets wrong. Learn how mastering this skill will make you happier.
…a super-power that almost everyone gets wrong. Learn how mastering this skill will make you happier.
Learn how to spend smarter
Spending well is a super-power.
…a super-power that almost everyone gets wrong. Learn how mastering this skill will make you happier.
Rules 1 to 5 set up why money is so complicated these days. Rules 6-10 give you precise steps to help you get on top of everything.
Rules 1 to 5 set up why money is so complicated these days. Rules 6-10 give you precise steps to help you get on top of everything.
The things I need to do to get on top of money are not the same as what you need to do. Understand yourself first.
The things I need to do to get on top of money are not the same as what you need to do. Understand yourself first.
What do I know?
I have helped over 700k people begin to spend better.
As money becomes more digital, as subscriptions appear for everything, as payment becomes more effortless with contactless and Buy Now Pay Later, I built an app to help people fight back.
What do I know?
I have helped over 700k people begin to spend better.
As money becomes more digital, as subscriptions appear for everything, as payment becomes more effortless with contactless and Buy Now Pay Later, I built an app to help people fight back.
Your money life is too complicated.
Mo money mo problems. No money, lots of problems. Everyone has problems, let's fix that.
Saving feels good
But you're taught everyday that spending feels good.
Borrowing has never been easier
Rich or poor, someone is out there willing to give you money (that they want back plus interest!).
How much did you spend today?
When all it takes is a tap, it's hard to keep track!
Are you happy with your financial habits?
Are you even aware of all your habits or are they so normalised you're making costly mistakes every day?
time
Is your friend/foe
Don't aim for perfection, make small changes starting today without delay.
Don't aim for perfection, make small changes starting today without delay.
Don't aim for perfection, make small changes starting today without delay.
Whether you have money or not, almost half of the nation feels uncomfortable trying to manage what they have.
45%
Of Brits feel uncomfortable managing their finances.
cute dogs
Big expense
It's easy to underestimate how much life costs and waste is everywhere. A few minutes of thoughtfulness can provide huge benefit.
It's easy to underestimate how much life costs and waste is everywhere. A few minutes of thoughtfulness can provide huge benefit.
It's easy to underestimate how much life costs and waste is everywhere. A few minutes of thoughtfulness can provide huge benefit.
4.7/5
HyperJar Trustpilot score
HyperJar has been helping people of all walks of life manage their spending better and simplify their financial lives. This book takes these concepts to the next level.
Each chapter has the potential to save you hundreds of pounds in a year and thousands over a lifetime.
How i can help
Our always on financial digital world needs an antidote. This book is it.
How i can help
Our always on financial digital world needs an antidote. This book is it.
Learn how to exchange those small expenses for big lifetime savings.
Learn how to exchange those small expenses for big lifetime savings.
£5/day is £80,000 over an average working lifetime.
Are you too nice? A yes person?
You can still be a nice guy and say no. In fact, it's probably the best thing you can learn to do!
You can still be a nice guy and say no. In fact, it's probably the best thing you can learn to do!
Learn how to exchange those small expenses for big lifetime savings.
£5/day is £80,000 over an average working lifetime.
Are you too nice? A yes person?
You can still be a nice guy and say no. In fact, it's probably the best thing you can learn to do!
Sneak peak
Not just a lecture, actionable steps.
This book aims to help explain why things are the way they are in the world and how you can make a specific plan to become happy with your money.
Sneak peak
Not just a lecture, actionable steps.
This book aims to help explain why things are the way they are in the world and how you can make a specific plan to become happy with your money.
06.
Audit your spending history.
You need to know where you are to know how to get to where you want to go.
06.
Audit your spending history.
You need to know where you are to know how to get to where you want to go.
07.
Build new habits that work for you.
You are unique. You have good and bad habits different from anyone else. Figure out how to build habits that you can stick to.
07.
Build new habits that work for you.
You are unique. You have good and bad habits different from anyone else. Figure out how to build habits that you can stick to.
08.
Spend less by finding deals.
It may seem trite, but £5/day over your working life is over £80,000. If you're going to spend the money, spend as little as possible and invest the savings.
08.
Spend less by finding deals.
It may seem trite, but £5/day over your working life is over £80,000. If you're going to spend the money, spend as little as possible and invest the savings.
09.
Build a sunny day fun.
You've been trained to think spending is fun and saving is boring. I'll teach you how to make saving fun so you enjoy the journey!
09.
Build a sunny day fun.
You've been trained to think spending is fun and saving is boring. I'll teach you how to make saving fun so you enjoy the journey!
Learn and take action today.
06.
Audit your spending history.
You need to know where you are to know how to get to where you want to go.
07.
Build new habits that work for you.
You are unique. You have good and bad habits different from anyone else. Figure out how to build habits that you can stick to.
08.
Spend less by finding deals.
It may seem trite, but £5/day over your working life is over £80,000. If you're going to spend the money, spend as little as possible and invest the savings.
09.
Build a sunny day fun.
You've been trained to think spending is fun and saving is boring. I'll teach you how to make saving fun so you enjoy the journey!
Learn and take action today.
Mat's thoughts
Visit my substack to read my latest thoughts and ideas.
Mat's thoughts
Visit my substack to read my latest thoughts and ideas.
Reviews from happy HyperJr customers
This book is the foundation for HyperJar. I created HyperJar to help people spend better. Hear what its customers have to say.
Reviews from happy HyperJr customers
This book is the foundation for HyperJar. I created HyperJar to help people spend better. Hear what its customers have to say.
I got these cards for my kids a few years ago so I could manage what they needed regularly and easily, they are so good I ended up getting myself one. I love the options to set up different jars for different things...Highly recommend these cards!
Brilliant
Anita M (Trustpilot)
5 / 5
I got these cards for my kids a few years ago so I could manage what they needed regularly and easily, they are so good I ended up getting myself one. I love the options to set up different jars for different things...Highly recommend these cards!
Brilliant
Anita M (Trustpilot)
5 / 5
I got these cards for my kids a few years ago so I could manage what they needed regularly and easily, they are so good I ended up getting myself one. I love the options to set up different jars for different things...Highly recommend these cards!
Brilliant
Anita M (Trustpilot)
5 / 5
Some examples
The surprising maths around money.
One thing this book attempts is to explain the power of small numbers and time. Once you understand this you begin to see how little changes can have a huge impact. You will start making progress today and your life can feel almost the exact same.
Some examples
The surprising maths around money.
One thing this book attempts is to explain the power of small numbers and time. Once you understand this you begin to see how little changes can have a huge impact. You will start making progress today and your life can feel almost the exact same.
Mortgage interest
£290,000
typical interest paid over lifetime of an average UK mortgage
Maybe 3 years ago this wasn't an issue, but with higher interest rates, how you pay your mortgage can make a big difference.
Mortgage interest
£290,000
typical interest paid over lifetime of an average UK mortgage
Maybe 3 years ago this wasn't an issue, but with higher interest rates, how you pay your mortgage can make a big difference.
Mortgage interest
£290,000
typical interest paid over lifetime of an average UK mortgage
Maybe 3 years ago this wasn't an issue, but with higher interest rates, how you pay your mortgage can make a big difference.
Daily coffee habit
£2000
per year
This is the annual impact of a £5 daily habit.
Daily coffee habit
£2000
per year
This is the annual impact of a £5 daily habit.
Daily coffee habit
£2000
per year
This is the annual impact of a £5 daily habit.
New iPhone each year
£1000
each year
Since when did technology become fashion - a new phone every year? Not doing so can save you a bundle over your lifetime.
New iPhone each year
£1000
each year
Since when did technology become fashion - a new phone every year? Not doing so can save you a bundle over your lifetime.
New iPhone each year
£1000
each year
Since when did technology become fashion - a new phone every year? Not doing so can save you a bundle over your lifetime.
A daily deficit of £3
£1000
per year
What's your daily income and expenses? You likely don't know but knowing this is the key to your future plans.
A daily deficit of £3
£1000
per year
What's your daily income and expenses? You likely don't know but knowing this is the key to your future plans.
A daily deficit of £3
£1000
per year
What's your daily income and expenses? You likely don't know but knowing this is the key to your future plans.
Dream big
Enjoy today and the future!
Small changes have big impact in both your finances but your overall happiness.
This book will help you.
Dream big
Enjoy today and the future!
Small changes have big impact in both your finances but your overall happiness.
This book will help you.
Frequently Asked Questions
Some common questions
Frequently Asked Questions
Some common questions
I'm a millionaire, how can this book help me?
I'm in debt and struggling. Can this book really help me?
Finance books are boring. What makes this one any different?
How quickly could I expect to see resutls?
How is this book intended for?
I'm a millionaire, how can this book help me?
I'm in debt and struggling. Can this book really help me?
Finance books are boring. What makes this one any different?
How quickly could I expect to see resutls?
How is this book intended for?
I'm a millionaire, how can this book help me?
I'm in debt and struggling. Can this book really help me?
Finance books are boring. What makes this one any different?
How quickly could I expect to see resutls?
How is this book intended for?
You're hours away from having a happier relationship with your money.
You're hours away from having a happier relationship with your money.
Bring clarity and control back to your finances today for a happier tomorrow.
