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
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
A couple of blog posts ago I mentioned that just over 50% of the money I make goes into savings. I will now explain how I managed to engineer that on a moderate income. Saving 50% of your income sounds near enough impossible for most people I know, and I don’t blame them. Looking back at the last few years, I would probably think the … Continue reading Is it possible to save HALF of your income?