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
A little while ago I showed you how my annual budget looks like. In today’s post I’ll share with you how to create your own one. It’s simpler than you think! Let’s start with the same basics you would start any shorter term budget. You can do it on paper or in excel or any other programme by the way, whichever you prefer. Draw a … Continue reading Financial focus month week 5: Budget for the Whole Year
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
Before I explain what the cash envelopes system is all about, let me say that I don’t actually use cash. Nor envelopes. That little detail has not stopped me from applying the principles governing the cash envelopes method in how my own everyday spending is managed. If you are wondering why this rather obscure sounding approach to paying for stuff has been gaining momentum on … Continue reading The cringe-worthy cash envelopes
