I am a big fan of travel. Sometimes I like to splurge, but for the grand majority of my leisure travel, the budget is modest. And by grand majority I mean…my partner and I travel abroad on average 11 times per year, only one or two of those trips will involve saving up larger amounts of money for. All others are kept low budget and … Continue reading How I keep travel affordable
Maybe it’s a weird perversion, but I actually like thinking about retirement. I call it retirement but what I mean is not having to work the good ole 9-5 anymore. Whether this happens at 40, 55 or 70 depends on you. In this blog post let’s look at all the things to consider when planning when and how you want to retire. First things first … Continue reading Financial focus month week 4: Win at Retirement Planning
It’s the New Year. It’s a little bit chilly. It’s a little bit hungover, and the festivity has been replaced with the dread of the work week starting again tomorrow. But it’s not all bad. Actually, quite the opposite. January is a great month to forget about the mistakes and financial failures of the past year and to start afresh. Throughout the month of January I … Continue reading Financial focus month week 1: Shelf Cooking
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
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
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
Heating a home during winter season can be expensive. To the point of excruciating amounts – I say that based on an experience of moving from a modern, weather tight ‘EPC B’ flat into an old, drafty and uninsulated ‘EPC D’. If you are not from the United Kingdom the EPC, or energy performance certificate, is a measure of property’s energy efficiency, A being excellent, … Continue reading How to spend less on heating in the winter
