Business

How to Take Back Control of Your Finances

Published

4 years ago

July 28, 2021

Living your life without financial worries is something we all aim for, avoiding the stress that comes with settling bills on time. However, this is difficult to achieve for many, especially if you earn a low income but still need to make ends meet. Whether you have been living paycheck to paycheck with very little in savings or have been enjoying the past few years using credit for the things you want, it is probably time to take back control. It is easy to put off financial issues until they become a much greater problem, but this only makes climbing out of it a tougher task. Here’s how you can start to take back control of your finances today.

Review Your Outgoings

Having a picture of your financial situation is the best way to start and will quickly show you where your efforts need to be focused. By reviewing your total outgoings against your income, you will be able to determine your disposable income – money that is left over after all essential outgoings are paid. If you are left with very little after your essential bills, such as rent or mortgage payments, are paid, this will indicate you will need to address your other monthly expenditure. If you have disposable income and this comes as a surprise, it could be because your spending on non-essential items is high.

Borrow Only When You Need To

If you are in a cycle of relying on credit to make purchases, this could be slowly increasing your level of debt. The best way forward is to only choose to borrow credit when it is necessary and avoid borrowing to pay for non-essential items. It can be tempting to take advantage of buy now pay later schemes or store cards, but this can quickly mount up. By only turning to credit if you have no other options in an emergency, for example, savings or available credit, you can reduce credit dependency. Lenders who offer payday loans online can help to provide a short term option when you need it most and when you have few other options. In the long-term, you’ll want to have an emergency savings fund to rely on instead.

Build Your Savings

Whilst it may seem you have very little to save, you may have discovered opportunities to reduce your outgoings when reviewing your finances. By reducing non-essential spending, you will have more money to save. Your essential outgoings should always be your top priority, but from the money that is leftover in your disposable income, starting to put some of this aside will build a stronger financial outlook. You should aim to build both your savings and an emergency savings fund so that you have money you can grow as well as savings to cover the unexpected. Start with you can afford to save and build from there.

Budget Your Spending

One of the most difficult habits to stick to that will help gain control of your finances is being consistent. The best way to achieve this is by creating a budget that will help curb any impulse buying. Your budget will be determined by how much disposable income you have, which you can then break down into weekly spend. This way, you’ll know if you are on track to achieving your savings goal, for example. Sticking to a budget will ensure your essential bills are always covered and you do not run out of money too quickly after your salary date.

These are just some of the ways to start and help you take back control of your finances. If you are currently in debt, you will be able to start reducing this quicker than before and focus on a healthy financial future.

Business

13 Reasons Investors Are Watching Phoenix Energy’s Expansion in the Williston Basin

Published

5 days ago

April 23, 2025

Matthew Wiles

As energy security becomes a growing priority in the United States, companies focused on domestic oil production are gaining attention from investors. One such company is Phoenix Energy, an independent oil and gas company operating in the Williston Basin, a prolific oil-producing region spanning North Dakota and Montana.

Phoenix Energy has established itself as a key player in this sector, expanding its footprint while offering structured investment opportunities to accredited investors. Through Regulation D 506(c) corporate bonds, the company provides investment options with annual interest rates ranging from 9% to 13%.

Here are 13 reasons why Phoenix Energy is attracting investor interest in 2025:

1. U.S. energy production remains a strategic priority

The global energy landscape is evolving, with a renewed focus on domestic oil and gas production to enhance economic stability and reduce reliance on foreign energy sources. The Williston Basin, home to the Bakken and Three Forks formations, continues to play a critical role in meeting these demands. Phoenix Energy has established an operational footprint in the basin, where it is actively investing in development and production.

2. Investment opportunities with fixed annual interest rates

Phoenix Energy bonds offer accredited investors annual interest rates between 9% and 13% through Regulation D 506(c). These bonds help fund the company’s expansion in the Williston Basin, where it acquires and develops oil and gas assets.

3. Record-breaking drilling speeds in the Williston Basin

Phoenix Energy has made significant strides in drilling efficiency, ranking among the fastest drillers in the Bakken Formation as of late 2024. By reducing drilling times, the company aims to optimize operations and improve overall production performance.

4. Expansion of operational footprint

Since becoming an operator in September 2023, Phoenix Energy has grown rapidly. As of March 2025, the company has 53 wells drilled and 96 wells planned over the next 12 months.

5. Surpassing production expectations

Phoenix Energy’s oil production has steadily increased. By mid-2024, its cumulative production had exceeded 1.57 million barrels, outpacing its total output for 2023. The company projected an exit rate of nearly 20,000 barrels of oil equivalent per day by the end of March 2025.

6. High-net-worth investor offerings

For investors seeking alternative investments with higher-yield opportunities, Phoenix Energy offers the Adamantium bonds through Reg D 506(c), which provides corporate bonds with annual interest rates between 13% and 16%, with investment terms ranging from 5 to 11 years, and a minimum investment of $2 million.

7. Experienced team with industry-specific expertise

Phoenix Energy’s leadership and technical teams include professionals with decades of oil and gas experience, including backgrounds in drilling engineering, land acquisition, and reservoir analysis. This level of in-house expertise supports the company’s ability to evaluate acreage, manage operations, and execute its long-term development plans in the Williston Basin.

8. Focus on investor communication and understanding

Phoenix Energy prioritizes clear investor communication. The company hosts webinars and provides access to licensed professionals who walk investors through the business model and operations in the oil and gas sector. These efforts aim to help investors better understand how Phoenix Energy deploys capital across mineral acquisitions and operated wells.

9. Managing market risk through strategic planning

The energy sector is cyclical, and Phoenix Energy takes a structured approach to risk management. The company employs hedging strategies and asset-backed financing to help mitigate potential fluctuations in the oil market.

10. Commitment to compliance

Phoenix Energy conducts its bond offerings under the SEC’s Regulation D Rule 506(c) exemption. These offerings are made available exclusively to accredited investors and are facilitated through a registered broker-dealer to support adherence to federal securities laws. Investors can review applicable offering filings on the SEC’s EDGAR database.

11. Recognition for business practices

As of April 2025, Phoenix Energy maintains an A+ rating with the Better Business Bureau (BBB) and is a BBB-accredited business. The company has also earned strong ratings on investor review platforms such as Trustpilot and Google Reviews, where investors often highlight clear communication and transparency.

12. A family-founded business with a long-term vision

Led by CEO Adam Ferrari, Phoenix Energy operates as a family-founded business with a focus on long-term investment strategies. The company’s leadership emphasizes responsible growth and sustainable development in the Williston Basin.

13. Positioned for long-term growth in the oil sector

With U.S. energy demand projected to remain strong, Phoenix Energy is strategically positioned for continued expansion. The company’s focus on efficient drilling, financial discipline, and structured investment offerings aligns with its goal of building a resilient and growth-oriented business.

Final thoughts

For investors looking to gain exposure to the U.S. oil and gas sector, Phoenix Energy presents an opportunity to participate in a structured alternative investment backed by the company’s operational expansion in the Williston Basin.

Accredited investors interested in learning more can attend one of Phoenix Energy’s investor webinars, which are hosted daily throughout the week. These sessions provide insights into market trends, risk management strategies, and investment opportunities.

For more information, visit the Phoenix Energy website.

Phoenix Capital Group Holdings, LLC is now Phoenix Energy One, LLC, doing business as Phoenix Energy. The testimonials on review sites may not be representative of other investors not listed on the sites. The testimonials are no guarantee of future performance or success of the Company or a return on investment. Alternative investments are speculative, illiquid, and you may lose some or all of your investment. Securities are offered by Dalmore Group member FINRA/SIPC. Dalmore Group and Phoenix Energy are not affiliated. See full disclosures.

This article contains forward-looking statements based on our current expectations, assumptions, and beliefs about future events and market conditions. These statements, identifiable by terms such as “anticipate,” “believe,” “intend,” “may,” “expect,” “plan,” “should,” and similar expressions, involve risks and uncertainties that could cause actual results to differ materially. Factors that may impact these outcomes include changes in market conditions, regulatory developments, operational performance, and other risks described in our filings with the U.S. Securities and Exchange Commission. Forward-looking statements are not guarantees of future performance, and Phoenix Energy undertakes no obligation to update them except as required by law.