Andrius Lengvinas

Silent Debt is a #1 Best Seller in Financing Mortgages on Amazon UK. On Amazon US Kindle it’s #1 in Mortgages, Real Estate Investments, and Buying & Selling Homes. It feels even more special that it happened on our daughter’s first birthday. Thank you to the people who made it happen: my partner Chloe; Holly Worton and the North Downs Publishing team; Robert Twigger, editor; and David Ault, who narrated the audiobook. Ebook free today only: mybook.to/SilentDebt

A debt payment can show up as a "scheduled payment" in the bank app. Very polite wording for money that already has plans for next month.

A new goal needs a place in your week, not just a place on your list. 1. Write down the time the goal needs each week, including the ordinary admin around it. 2. Choose one existing commitment to pause or reduce before adding the new one. 3. Put the first work session in your calendar and check whether it still fits after a normal week. If there is no room for the work, the goal is still only an intention.

What's one thing you stopped tracking because it made progress feel worse?

Creators check one post's numbers. Then they change the whole plan. A post that travels further than usual can tempt a writer to abandon the work their regular readers came for. One spike is a poor editor.

Mortgage holders, which would matter more in a tight month? - A lower monthly payment - The option to overpay

A journal is most useful when it records what you did, not just how you felt about doing it. A page full of plans can look like progress without changing Tuesday.

Creators, which part of making a book earns the most of your time?

Everyone wants a bigger audience. Nobody wants to keep making useful work before anyone notices.

Creators spend a lot of time polishing the next post. I'd spend more of it making the last one easy to find again. Useful work shouldn't vanish after a day.

Dear X algorithm, Connect me with the happiest people on this platform. Not the richest, smartest or most successful. People who wake up excited about life, laugh at themselves, question everything and don’t take the whole thing too seriously. I have a few questions for them…

A creator's first paid offer should answer a question readers already ask. 1. Read replies and messages from the past month. Write down the questions people repeat. 2. Choose one question you can answer with a clear, useful result. 3. Show the offer to a few readers before building it. If they cannot explain what it helps them do, sharpen the promise before you spend weeks making it.

People with debt, what choice would you most like more room to make?

I’ve chased goals that made me wealthier but less free. The journey certainly changes us, but not always for the better. Perhaps the most important question isn’t what we’ll gain if we succeed, but whether we’ll respect the person we’re becoming along the way.

The fastest way to waste an audience's attention: show up only when you have something to sell. A reader who gets useful ideas from your work can tell when every post is moving toward a pitch. Give them reasons to stay between launches, or the launch has less trust to draw on.

Debt is harder to manage when you're hiding it from someone affected by the decision. The balance matters, but so does who gets to plan around it.

Creators, would you rather have 10,000 followers who rarely reply or 1,000 readers who tell you what they need?

What expense do you avoid putting on a credit card?

Don't wait for a perfect routine. everyone says to plan the whole week when you feel disorganised it costs time for the small gain of a schedule you may not follow what works instead: choose one useful action for tomorrow

A morning routine does not need to change your life. If it helps you keep one promise to yourself before the day gets busy, that counts.

If aliens studied us, this would be the strangest part: we spend money from our future, then work for years to pay our past. We call it normal. 👽 Could you explain your debt to an alien?