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How to Write and Publish an Entire Book Using ChatGPT: The Ultimate AI-Powered Guide Publishing a book used to take months—sometimes years. You needed writing skills, editors, designers, and industry connections. Today, everything has changed. Thanks to AI tools like ChatGPT , anyone can turn an idea into a fully written, formatted, and published book in a matter of days. You don’t need to be a writer. You don’t need special software. You only need a clear idea, the right prompts, and a simple process. This step-by-step guide will show you exactly how to create, write, format, design, and publish a complete book using ChatGPT—even if you've never written anything before. Whether you want to publish on Amazon KDP, Gumroad, Etsy, Payhip, or your own website , this is your ultimate blueprint. Phase 1: AI-Driven Concept and Outline Generation Before writing a single word, you need a profitable idea and a strong outline . These two pieces alone can determine whether your book sells—o...

  FSCS Protection Is Increasing to £120,000: What It Means for Your Savings From December 1, 2025, your savings will get a bigger safety cushion. The FSCS deposit protection limit on eligible cash accounts will rise from £85,000 to £120,000 per person, per bank. If a bank, building society, or credit union covered by the FSCS ever failed, your money in protected accounts, such as Cash ISAs, Lifetime Cash ISAs, easy access savings, and notice accounts like a 95-day pocket, would be covered up to £120,000 with that bank. You do not have to sign up or tick any boxes. The change happens automatically, in the background. In this guide, you will see what the FSCS is in simple terms, how the new £120,000 limit works, and what to think about if your savings may go over that amount with one bank. What the FSCS Is and How It Protects Your Money Imagine you put your money in a savings pot and lock the lid, expecting it to sit there safely until you need it. Most of the time, that is ex...

  Your First Paycheck: How to Make It Work for You From Day One Receiving your first paycheck is a major milestone. For many new graduates and early-career professionals, that moment when the deposit hits the bank app feels like a mix of excitement, relief, and confusion. The money is finally here — but what exactly should you do with it? In 2025, Gen Z workers across the U.S., U.K., and Canada take home anywhere from $2,000 to $7,500 per month after taxes. Income varies widely depending on industry, city, and job level. A retail worker in Alabama may see $2,000 take-home, while a junior software developer in Seattle may take home $6,000+. But regardless of the number, what matters most is how effectively you manage your paycheck — starting with the very first one . This comprehensive guide explains how to read your pay stub, calculate what you truly have to spend, prioritise needs and savings, avoid common financial mistakes, and set yourself up for long-term stability and fin...

  The Difference Between Good Debt and Bad Debt: A Definitive Guide to Helpful vs. Harmful Borrowing Debt gets a bad name. Many see it as a trap that drags people down. Yet borrowing can also lift you up if you use it right. It acts like a tool in your financial kit – sharp enough to build a solid future or cut deep if mishandled. In this guide, we break down good debt from bad debt. We look at what makes each type tick, real examples, and ways to handle them. By the end, you will spot when borrowing helps your money grow or just eats it away. Section 1: Defining Good Debt – Investing in Future Financial Growth Good debt puts your money to work for you. It funds things that grow in value or boost your skills over time. Think of it as planting a seed that turns into a tree bearing fruit. Debt That Appreciates or Generates Income This kind of debt buys assets that hold or raise their worth. A mortgage for your home fits here. As you pay it off, you own more of the property, and...

  The Student Hustle Playbook: How to Build Income, Protect Your Grades, and Create a Future You’re Proud Of Introduction: The Moment It Clicks Picture this. You’re sitting in class. The lecture is dragging. Your phone buzzes. You glance down — and boom. “Payment received: £20.” Not from a job you hate. Not from 10 hours of weekend shifts. But from something you built. Something that earns even while you take notes, eat lunch, or sleep. That tiny notification? It’s freedom tapping you on the shoulder. Most students don’t think that kind of life is possible. They see school as a cage, money as a constant worry, and success as something that happens “after graduation.” But let me show you a different path — a path proven by someone who lived it at the highest level. She was a young woman from Jamaica. Grew up without much. Entered the corporate world. And by 25 , she was a Vice President in a top U.S. firm . By raising a kid . By managing global teams . By scaling ...