# One Axion > One Axion is Philip Neil's business: products, tools and plain-English guidance for people moving, managing money and growing something of their own, across relocation, finance, real estate and technology. Smarter ways to move, manage and grow. Everything One Axion sells is listed below with its current price in euros, read from the same data the website charges from. Education and guidance, not regulated advice: Philip is qualified but is not authorised or regulated by the FCA or any other regulator; One Axion gives education and guidance, not regulated advice. ## Products - [Axion Clarity](https://www.oneaxion.com/finance/tools/axion-clarity/): A private, local-first family financial planner: cash flow, budgets, bills, net worth, projections, goals and reports, computed from one source of truth and stored only on your own computer. No account, no server, no subscription. One-off personal licence with two years of free updates. A planning and education tool, not financial advice. EUR 39, paid once, after a free 14-day trial. Desktop app for Windows and macOS. - [Axion Trace](https://www.oneaxion.com/technology/axion-trace/): A private habit, weight trend and workout tracker that lives on your own phone. No account, no subscription, and nobody else sees an entry. One-off licence key for all of your own devices. A personal tracker, not medical advice. EUR 19 (launch price), paid once, after a free 30-day trial. Phone and web app (installable). - [Digital Estate Organiser, UK Edition](https://www.oneaxion.com/finance/tools/digital-estate-organiser/): Records where your digital life lives (accounts, devices, subscriptions and how each is recovered) so an executor can find them, without putting a single password in your Will. Drafted for England and Wales. An organisational tool, not legal advice, and not a Will. EUR 22, paid once. Fillable PDF plus an editable Word version. - [Digital Estate Organiser, Cyprus Edition](https://www.oneaxion.com/finance/tools/digital-estate-organiser/): The same organiser written for Cyprus succession rules and EU Regulation 650/2012. An organisational tool, not legal advice, and not a Will. EUR 34, paid once. Fillable PDF plus an editable Word version. - [Digital Estate Organiser, both editions](https://www.oneaxion.com/finance/tools/digital-estate-organiser/): The UK and Cyprus editions together, for anyone holding assets in both countries. EUR 45, paid once. Both editions together. - [Financial Literacy Course](https://www.oneaxion.com/finance/financial-literacy-course/): Plain-English modules from budgeting and banking to credit, savings, investing, mortgages, tax, modern money and online safety, with a Certificate of Completion and free content updates for a year. Education, not financial advice; it never recommends a product or provider. EUR 99, paid once. Presentation-quality PDF modules, downloaded after checkout. - [In Control of Your Money (bundle)](https://www.oneaxion.com/finance/financial-literacy-course/): The Financial Literacy Course, Axion Clarity and both editions of the Digital Estate Organiser together: learn how money works, run your own numbers on your own computer, and leave a record anyone could follow. EUR 139, paid once. Bundle. ## Free tools - [Mortgage calculators](https://www.oneaxion.com/finance/tools/mortgage-calculator/): Monthly cost including fees and the reversion rate, what you could borrow, overpayments, switching deals including early repayment charges, offset savings and buy-to-let rent cover. Nothing typed leaves the browser. - [Mortgage Readiness Checklist](https://www.oneaxion.com/checklist/): A free PDF checklist of what to have in order before anyone quotes you a mortgage, sent by email. - [Financial Health Check](https://www.oneaxion.com/finance/#health-check): A short self-check of where your money stands, answered in the browser with nothing stored. - [Relocation checklists](https://www.oneaxion.com/relocation/checklists/): Interactive moving-abroad checklists with tick-off progress and save as PDF. - [Digital Assets Clause (free extract)](https://www.oneaxion.com/finance/tools/digital-estate-organiser/): The clause to hand to whoever drafts your Will, giving your executor authority over your digital accounts. - [Moving to Cyprus: a relocation checklist](https://www.oneaxion.com/relocation/checklists/moving-to-cyprus/): A practical checklist for moving to Cyprus: visas, paperwork, first official steps, cost of living, schools and healthcare. Tick off and save as PDF. - [Cyprus residency & paperwork: a checklist](https://www.oneaxion.com/relocation/checklists/cyprus-residency/): A step-by-step Cyprus residency checklist: tax number, the Yellow Slip (MEU1), non-EU permits, social insurance, banking and GeSY. Tick off and save as PDF. - [Settling in Cyprus: a checklist](https://www.oneaxion.com/relocation/checklists/settling-in-cyprus/): Settling into life in Cyprus: utilities, banking, GeSY healthcare, driving, schools and community. Tick off and save as PDF. - [Choosing where to move abroad: a family checklist](https://www.oneaxion.com/relocation/checklists/choosing-a-country/): The big questions to answer before choosing which country to move to: visas, money, schools, healthcare and cost of living. Tick off and save as PDF. - [Before you leave: a pre-departure checklist](https://www.oneaxion.com/relocation/checklists/before-you-leave/): Everything to sort, cancel and confirm before your departure date: notice, home, schools, money, admin and travel day. Tick off and save as PDF. - [Documents & paperwork for moving abroad: a checklist](https://www.oneaxion.com/relocation/checklists/documents/): Every document to gather, make official and keep safe when moving abroad: identity, civil, education, health, money and property. Tick off and save as PDF. - [Your first 30 days abroad: a settling-in checklist](https://www.oneaxion.com/relocation/checklists/first-30-days/): What to do in your first month abroad: registrations, banking, healthcare, school, transport and settling in. Tick off and save as PDF. ## Articles - [Conveyancing: What Your Solicitor Is Actually Doing All That Time](https://www.oneaxion.com/articles/conveyancing-what-your-solicitor-is-actually-doing/): Searches, enquiries, the draft contract, exchange and completion, in order, with why each one takes as long as it does, what you can do to speed it up, and where Cyprus plays by different rules. - [Funds, Fees, and Why Costs Matter More Than You Think](https://www.oneaxion.com/articles/funds-fees-and-why-costs-matter/): What a fund actually is, index versus active explained without a side, how to read a factsheet, and the arithmetic of a one percent fee over thirty years, which is larger than almost anyone expects. - [How Blockchain and Crypto Actually Work, Without the Hype](https://www.oneaxion.com/articles/how-blockchain-and-crypto-actually-work/): A blockchain is a shared ledger nobody owns. What a coin is, what a wallet really holds, why a lost key is gone forever, and why an exchange is not a bank. Education, not a recommendation. - [Investing When You Live in Two Countries: What Changes the Day You Move](https://www.oneaxion.com/articles/investing-when-you-live-in-two-countries/): What happens to a UK ISA or pension when you leave, why a platform might close your account, the currency risk you did not choose, and the two questions to settle with an adviser before you move anything. - [Mortgage Rates: Fixed, Variable, and Why the Headline Rate Is Not the Cost](https://www.oneaxion.com/articles/mortgage-rates-fixed-variable-and-the-real-cost/): Fixed versus variable, the reversion-rate trap, why a lower rate with a big fee can cost more, and how to compare deals the way an adviser does: total cost over the period, not the number in the advert. - [Mortgages When Moving Abroad: Buying in Cyprus, and What Happens to the One You Left Behind](https://www.oneaxion.com/articles/mortgages-when-moving-abroad/): Bigger deposits, lending in a currency you may not earn in, why going direct to lenders is normal, the title-deeds question, and what to do about a UK mortgage on a UK property once you no longer live there. - [Risk and Return: What They Actually Mean, and Why Time Changes the Answer](https://www.oneaxion.com/articles/risk-and-return-what-they-actually-mean/): Volatility is not the same as losing money. The difference between risk you can afford and risk you can stomach, why your time horizon decides almost everything, and the one risk nobody mentions until it is too late. - [Spotting the Scams That Target You Online, and What to Do in the First Hour](https://www.oneaxion.com/articles/spotting-the-scams-that-target-you-online/): The seven shapes almost every financial scam takes, the tells that give them away, the list of things no real organisation will ever ask, and exactly what to do in the first sixty minutes if one lands. - [The Four Risks of Crypto Nobody Mentions in the Ads](https://www.oneaxion.com/articles/the-four-risks-of-crypto-nobody-mentions/): Custody, volatility when you need the money, irreversibility with no consumer protection, and the product itself. Each explained with what has actually happened, not what might. - [A Budget You'll Actually Keep: The Method, the Numbers, and the One Habit That Matters](https://www.oneaxion.com/articles/a-budget-you-will-actually-keep/): Most budgets fail in week three. Here is why, the simple structure that survives real life, and the single habit that makes the difference between knowing your numbers and guessing. - [Emergency Fund: How Much You Need, Where to Keep It, and When to Actually Use It](https://www.oneaxion.com/articles/emergency-fund-how-much-and-where/): Three months or six? Savings account or under the mattress? And what counts as an emergency? The questions everyone has about the one savings pot that matters most. - [Getting Out of Expensive Debt: The Honest Order to Pay Things Off](https://www.oneaxion.com/articles/getting-out-of-expensive-debt/): Which debt to clear first, why the mathematically best answer is not always the right one, what a 0% transfer really costs, and when it is time to get proper help. - [Income Protection vs Critical Illness Cover: Which Safety Net Do You Actually Need?](https://www.oneaxion.com/articles/income-protection-vs-critical-illness/): The two products most people confuse, what each one really pays for, why income protection is the one advisers buy for themselves, and the traps in the small print. - [Is Your Money Safe Abroad? Deposit Protection, the Cyprus Bail-In, and the App-Account Gap](https://www.oneaxion.com/articles/is-your-money-safe-abroad/): What deposit guarantees actually cover, per person and per bank; what happened to uninsured deposits in Cyprus in 2013; and why an app-based account is protected differently from a bank. - [Life Cover, Explained: How Much, What Kind, and the Mistakes People Make](https://www.oneaxion.com/articles/life-cover-explained/): Term or whole of life, level or decreasing, how much is enough, and why trusts matter. Written by someone who holds UK mortgage and protection qualifications. - [Moving Money Between Countries: Where the Cost Really Hides](https://www.oneaxion.com/articles/moving-money-between-countries/): The fee is not the cost; the exchange rate is. How to read a quote, what changes when the sum is a house rather than a pension, and how to check you are not being quietly overcharged. - [Opening a Bank Account in Cyprus: What They Ask For, and Why It Takes Longer Than You Expect](https://www.oneaxion.com/articles/opening-a-bank-account-in-cyprus/): The documents, the source-of-funds questions, local bank versus app-based account, and the order to do things in so you are not paying rent from a UK card at a 3% markup. - [Protection When You Move Abroad: What Your UK Policies Do (and Don't Do) Once You Leave](https://www.oneaxion.com/articles/protection-when-you-move-abroad/): Does UK life cover still pay out if you die in Cyprus? Does income protection work abroad? What replaces the NHS? The questions expats forget to ask until it is too late. - [Mortgage Broker or Direct to Lender? How to Decide](https://www.oneaxion.com/articles/broker-or-direct/): What mortgage brokers actually do, how they are paid, when going direct makes sense, and why expats abroad often have to compare deals themselves. - [The mortgage journey, end to end: what actually happens and when](https://www.oneaxion.com/articles/mortgage-journey-end-to-end/): A plain-English walkthrough of the UK mortgage process, from budgeting and decision in principle to completion, and what happens when your rate ends. - [Surveys and Valuations, Explained: Which One Do You Actually Need?](https://www.oneaxion.com/articles/surveys-and-valuations-explained/): Lender valuations and RICS Level 1, 2 and 3 surveys explained in plain English: what each covers, what they cost, and which one suits your property. - [10 things to sort before you move abroad](https://www.oneaxion.com/articles/things-to-sort-before-moving-abroad/): Moving country is one of life's biggest moves. Here are the ten things to get right before you commit, so the leap feels exciting, not overwhelming. - [Smarter money before a big life change: 5 things to get right](https://www.oneaxion.com/articles/smarter-money-before-a-big-move/): A new job, a move abroad, a growing family: the big moments are where money decisions matter most. Five things to get right before you leap. ## About - [About One Axion](https://www.oneaxion.com/about/): Philip Neil runs One Axion. He spent over seven years in UK banking and mortgages, including almost four years quality-checking mortgage advice files, and he holds UK mortgage and protection qualifications. He now lives in Cyprus, having made the move himself. Philip is qualified but is not authorised or regulated by the FCA or any other regulator; One Axion gives education and guidance, not regulated advice. ## Contact - [Contact](https://www.oneaxion.com/contact/): Email hello@oneaxion.com. A free introductory call can be booked at https://cal.com/philip-neil-oneaxion. ## Optional - [Sitemap](https://www.oneaxion.com/sitemap-index.xml): every page the site publishes. - [RSS feed](https://www.oneaxion.com/rss.xml): the articles and interactive guides as they are published. - [Privacy](https://www.oneaxion.com/privacy/): how visitor and customer data is handled.