Five things to do in January

The end of the year is here. And I have zero new Year’s resolutions. Instead, I have five things to do in January, which will hopefully help in keeping me sane, not broke and somewhat organised. The lull period between Christmas and New Year is one of the few days in the year I genuinely dislike. This is because usually it’s cold, I have already … Continue reading Five things to do in January

What to do when your account is overdrawn beyond limit

I am touching on this topic in the run up to Christmas, because estimated 19 million people just in the UK regularly dip into the overdraft with close to 2 million permanently overdrawn (according to the Guardian). It is not unusual for people to get into overdraft right around this time of the year and remain stuck in either authorised or unauthorised overdraft for a … Continue reading What to do when your account is overdrawn beyond limit

Monthly Book Club: ‘This is going to hurt’

This book seems pretty in tune with the mess NHS is right now. The greatest service in the country, and yet the most stretched, badly organised and understaffed life-saving medley of people. But this post is not about what went wrong or how to fix it with the National Health Service, this post is about Adam Kay’s ‘This is going to hurt: Secret diaries of … Continue reading Monthly Book Club: ‘This is going to hurt’

Wrapping up 2018 financially – net worth update

When I started this blog I promised myself to be transparent with figures, unafraid to show both the successes and failures. No time like the present to deliver on this and sum up how my net worth changed over the 2018. Below figures are my actual net worth figures for everything that I track. Before we dive in, let’s define net worth for those amongst … Continue reading Wrapping up 2018 financially – net worth update

‘Brexit’ the UK and take your pension pot with you?

United Kingdom is a country where pension enrolment is compulsory. This means that every person over the age of 22 but below state pension age, employed, working within the country and earning above £10,000 per annum has a personal pension pot. A regulation making enrolment into workplace pension compulsory for everybody meeting these criteria took effect in February 2018. I am not leaving the country … Continue reading ‘Brexit’ the UK and take your pension pot with you?

What I am giving for Christmas – a truthful gift guide

A short while ago I wrote a blog post about not going bankrupt over Christmas spending. This post is a follow-up telling you exactly what I am gifting this year to my nearest and dearest. I don’t budget for Christmas separately anymore, I just save less in December and that  gives me a very definite budget as I don’t like to reach out for savings … Continue reading What I am giving for Christmas – a truthful gift guide