Hey, I'm Hiten
I'm a tech professional who got tired of manually managing money. So I automated almost everything — from splitting my salary across accounts on payday to tracking every subscription and flagging price increases before they hit.
SmartPounds is where I share exactly how I do it, with real numbers from my own bank accounts (rounded for privacy, obviously).
What You'll Find Here
- Budgeting automation — standing orders, round-ups, spending alerts, and the apps that actually work in the UK
- Saving strategies — ISAs, emergency funds, and how to build them without thinking about it
- Honest comparisons — Monzo vs Starling vs Chase, YNAB vs Emma vs Plum, and every other tool I've tested
- Real spending breakdowns — what I actually spend each week, where the money leaks are, and how I plug them
Why Trust This Blog?
I'm not a financial adviser — I'm someone who obsessively optimises his own finances and writes about what works. Every strategy I recommend is one I actually use. No sponsored posts, no paid reviews. When I mention a product, it's because I genuinely use it.
I believe the best financial advice is specific, actionable, and based on real UK products and tax rules — not generic "save more, spend less" waffle.
Get In Touch
Got a question about automating your finances, or want to suggest a topic? Drop me a message on Bluesky or through the comments on any post.