TallyMoney

House prices keep rising. Unless you measure them in gold

Property prices tend to increase over time. That’s what we’ve all come to expect, not just in the UK but across most of the world.

It makes sense too. The number of new homes being built struggles to keep pace with demand and, on top of that, the money supply is expanding rapidly.

But what happens when you stop measuring house prices in pounds and start measuring them in gold?

Let’s do the maths:

That’s a 26% increase in just ten years.

For people saving in pounds for a deposit, the goalposts keep moving further away.

But pounds are only one way to measure the price. 

Let’s look at those same house prices when measured in gold.

Every tally represents one milligram of real, physical gold.

So we can take the same average UK house price and ask how much gold it would have required at each point in time.

Using the gold price at the time:

  • July 2016: approximately 6.6 million tally
  • July 2026: approximately 2.84 million tally

When measured in gold, the average UK house became roughly 57% cheaper.

More expensive in pounds. Cheaper in gold.

This matters when you’re saving for something

Imagine you’re saving for a house deposit.

Most financial advice focuses on one number:

How much are you putting aside each month?

That obviously matters.

But there’s another question that deserves more attention:

What are those savings actually held in while you wait?

Because saving for £50,000 and preserving the purchasing power of £50,000 are not necessarily the same thing.

If the asset you eventually want to buy is rising faster than the value of your savings, you can be saving diligently while still falling behind.

So is cash completely useless?

No. We all need cash for day to day living expenses. It’s accepted pretty much everywhere and enables fast payments with no friction.

But for longer-term savings, cash is a sinking ship. Inflation silently eats away at the purchasing power of your cash year after year. 

This makes cash a particularly poor store of value over the long term. 

For many people, the answer is straightforward – buy a property. However, as we’ve seen, property prices tend to go up every year, so even just saving for a deposit has become a moving target.

That’s where gold comes in. Instead of saving in pounds for a deposit, more and more people are realising that saving in gold makes sense.

Why gold?

Gold has been used as a store of value for thousands of years.

It has a naturally limited supply.

It isn’t issued by a government or central bank.

And unlike pounds, more gold cannot simply be created in response to economic or political decisions.

That doesn’t mean gold always goes up.

It doesn’t.

Gold prices fluctuate and there will be periods when gold falls in value.

But over the decade in this example, gold increased substantially against sterling.

And that changed the relationship between gold and one of the biggest purchases most people will ever make.

A house that became 26% more expensive in pounds became around 57% cheaper in gold.

That’s worth thinking about.

What are you actually saving in?

We tend to ask:

“How much have I saved?”

Perhaps we should also ask:

“What am I saving in?”

Because the currency or asset you choose to hold your savings in can make an enormous difference to what those savings eventually buy.

That doesn’t mean putting every penny into gold.

Different savings have different jobs.

Money needed next month is different from money being put aside for five or ten years.

But it does mean there’s a case for thinking beyond pounds.

Where TallyMoney fits

TallyMoney makes it simple to hold savings in real, physical gold without giving up everyday access to your money.

When you add pounds to your TallyMoney Account, they’re exchanged into tally.

Every tally represents one milligram of physical gold that you own.

You can manage your account through the TallyMoney app, send and receive money, spend using your TallyMoney Debit Mastercard® and access your money when you need it.

It gives you another option for how you hold your savings.

Because if you’re saving for something as important as a home, the question is: what are you actually saving in?

Historic tally figures are illustrative and calculated using the GBP gold price at the relevant time on the basis that 1 tally represents 1mg of gold. TallyMoney launched in 2019. Gold prices can rise and fall, and past performance is no guarantee of future results.

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Real World Examples

  1. Fancy a coffee? Use your TallyMoney Mastercard. Boom – paid. (Yes, you’re buying a flat white with gold. How amazing is that?)

  2. Need cash? Use any Mastercard ATM worldwide or spend across the globe. ZERO fees from us, ZERO markup. (When you spend or withdraw, your gold converts instantly at the global spot price. No catches, no hidden charges – just straight-up Mastercard exchange rates. Because your money shouldn’t cost you… more money.)

  3. Want some money back in your bank? Just tap ‘transfer’ in the app. (Though after a while, you might wonder why you’d want to…)

    Zero faff. Zero waiting. Zero fees when you spend tally.

Meet Cameron Parry

Meet the guy who wouldn’t accept being trapped in a ‘heads they win, tales we lose’ government-run monetary system that protects and benefits the financial institutions, to the detriment of the public. Where people’s deposits are constantly at risk, and losing value through inflation caused by central bankers and politicians.

If necessity is the mother of invention, then frustration may be the roommate’s cousin of motivation. In any case, he decided to stop getting mad and start a new monetary system with sound money. Where deposits serve the depositor, where savings build wealth for savers, and transactions are made in a familiar way. And he called it TallyMoney.

TallyMoney: Gold upgraded

With TallyMoney:

  • Your pounds instantly become physical gold (1 tally = 1mg of real gold)
    Stored in Swiss vaults (not under your bed)
  • Fully insured and allocated (actually yours, not a paper promise)
  • Spend it anywhere with your TallyMoney debit Mastercard
  • Transfer back to pounds instantly if needed (but why would you?)

We’re not anti-bank because it’s trendy. We’re anti-bank because the current system is rigged against you. Every day you leave money in a “savings” account, you’re funding their profits while your wealth evaporates.

Enter gold: the original currency

Why gold? It’s value is universally acknowledged.

  • It’s not controlled by any single government
  • It can’t be printed or manufactured
  • It’s actually scarce 
  • It requires effort to extract it 
  • It doesn’t rust, decay, or disappear
  • It has remarkable properties

So while the pound’s lost 50% of its value since 2004, gold’s grown by 146% in the last decade alone. While your bank savings got mugged by inflation, gold owners were laughing all the way to… well, not the bank.

But here’s the rub: Traditional gold ownership is a right pain. Buy physical bars? Prepare for storage fees that’ll make your eyes water, insurance premiums that never end, and a 5-10% haircut when you need to sell. Plus, try buying your weekly shop with a gold ingot.
Paper gold ETFs? They’re classed as Tier 3 assets for a reason – that’s financial speak for “risky as hell.” You don’t own gold, you own a promise. A tradeable IOU. And when everyone wants their gold at once? Good luck with that. So you’re stuffed either way: real gold that’s impossible to use, or fake gold that might not be there when you need it.
Until now.

The truth about inflation

How? Well, when politicians overspend (and they invariably do), they need more money to ‘stimulate the economy’. But raising taxes makes voters angry. So what do they do? They fire up the money printer, and boy do they love to print. To give you a sense of the scale, since 2015 the Bank of England has created £520bn out of thin air through “quantitative easing” (electronic money printing) plus £86bn in physical currency. 

Thing is, more pounds in circulation = each pound is worth less. Think about it: In 2004, £100 could buy you a decent night out, theatre tickets, and a cab home. Today? That same £100 barely covers the theatre tickets. Your money didn’t disappear – it was diluted, like someone’s been topping up your whisky with water when you weren’t looking.

The “2% inflation target” they bang on about? That’s them telling you they plan to steal 2% of your wealth every single year. And calling it healthy.

How TallyMoney actually works?

  1. First things first: we’ve got actual gold bullion* (none of that paper-promise nonsense) locked up tight in a Brinks vault in Switzerland. Yeah, those Brinks – the security legends who’ve been protecting valuables since Queen Victoria was on the throne.

  2. You send your pounds to your TallyMoney account (bye-bye, inflation-addicted fiat!).

  3. We use the global gold spot price to instantly turn your currency into its weight in gold. No hidden or fuzzy exchange rates, just the real market gold price + 1.49% gold purchase fee.

  4. Each milligram of your physical gold = 1 tally (we keep it decimal because no one wants to faff about with troy ounces – the specific unit for measuring gold).

  5. That’s it! Your app shows your balance in tally, but remember – those aren’t just numbers on a screen. That’s your solid gold, in milligrams, sitting pretty in Switzerland.
  6. You can now save and spend your gold as you see fit.

*All Tally gold is sourced from LBMA-accredited providers because we’re rebels with a cause… and standards. Instead of tracking the gold price per kg, your money is directly converted based on the real-time global gold spot price.

TallyMoney is 
real money

  1. Store of value
    Your gold sits in a Swiss vault (not getting ‘quantitatively eased’ away)
    Evidenced by 5,000 years of holding its value
    Can’t be inflated by government whim and fingers on the ‘currency print’ button
  2. Medium of exchange
    Spendable at 150+ million shops worldwide (thanks, Mastercard)
    Currency converts instantly at market rates (no sneaky margins)
    Moves as quickly as sending a text 
  3. Unit of account
    1 tally = 1mg of gold. Simple
    Stable enough to actually plan your future with
    Speaks every currency’s language (gold’s kind of a big deal everywhere)

This is why TallyMoney is so much more than just owning Gold – it’s a real financial revolution. We’re not just helping you own gold; we’re bringing back what money was always meant to be. Sound Money for a Brighter Future. Because your hard work and wealth deserve better than being slowly robbed by external forces.

We want you to have real money

  1. A store of value:
    Keeps its value over time
    Insulated from devaluation/inflation
    Actually rare and can’t be created out of thin air
  2. Medium of exchange:
    Easy to use for everyday transactions
    Widely accepted
    Can be transferred efficiently
  3. Unit of account:
    Works like a proper value-measuring stick (imagine if your ruler shrunk every year – mad, right?)
    Splits nicely into useful bits
    Reliable enough to plan your future with

Why does this matter? Because your hard work deserves better than being turned into monopoly money by someone else’s actions. Every time your currency loses value (inflation) its stealing from your past work, which harms your present savings, and your future dreams.