December 2015 Income/Expenses

December 2015 Income/Expenses

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It’s a new year and payday last week which means time for this month’s Income/Expenses! I think it’s important to keep track of your income/expenses every month as it allows you to spot trends and areas for improvement. I find it really useful to track the spending changes each month, and really motivating to see the networth improvements. Sometimes it can seem like financial independence is so far away, but by watching your networth steadily increasing you’ll know you will…

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Guess post: How to have a Financially Stress-Free Christmas

Guess post: How to have a Financially Stress-Free Christmas

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Another guest post from Ryan at Compare Annuity who help support the site. Many people get so hooked on the Christmas giving bandwagon that they get themselves into some serious financial trouble and so it’s important to keep an eye on those expenses in December leading up to the big day. Interested to hear your Christmas saving ideas, please post them in the forum.   As Christmas approaches, the average person in the UK is expected to spend around £500…

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Winter Work Woes

Winter Work Woes

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It’s December! Christmas lights are on, the shops are heaving and people start getting excited about eating far too much. Now I’m obviously not one for giving in to the mass commercialisation that Christmas is in this country, nor do I act the scourge, however this year I’ve noticed an even worse dampening of mood as the days get shorter and very much colder. You see, I’ve had the misfortune of being assigned to cover a colleague’s project for the…

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November 2015 Income/Expenses

November 2015 Income/Expenses

Comments 10 comments

It’s payday today which means time for this month’s Income/Expenses! I think it’s important to keep track of your income/expenses every month as it allows you to spot trends and areas for improvement. I find it really useful to track the spending changes each month, and really motivating to see the networth improvements. Sometimes it can seem like financial independence is so far away, but by watching your networth steadily increasing you’ll know you will reach that point eventually. I’ve…

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I just made my biggest investment

I just made my biggest investment

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For the past few months now I’ve been slowly increasing my cash in bank holdings in anticipation of a large investment to come. Back in August it was my partner and I’s 5th year anniversary of boyfriend & girlfriend. We first got together just over 5 years after my 18th birthday and so I set about calculating the date at which I’d begin to have spent the majority of my adult life with her. That date was 14/11/2015. And so…

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Matched betting review and tips

Matched betting review and tips

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It’s been just over 2 weeks now since I went back to my old university town and got chatting to an ex-housemate who talked me into starting up matched betting. In the time since then I’ve been busy most evenings setting up accounts, laying bets and watching mind-numbing automated bingo games. So the big question is clearly; how much have I made so far? The financials I started this side hustle with a separate bank account containing £1000. It’s extremely…

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Guest Post – How to keep fit and stay healthy while saving money

Guest Post – How to keep fit and stay healthy while saving money

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I don’t normally post most of the guest articles I receive however the one below really struck a chord with me. Every time there’s an obesity craze sweeping through the media, the comments sections will begin filling up with people making excuses about how expensive is it is stay fit and eat healthily. Yes; if you insist on paying the insane all-included gym costs and eating out at vegan restaurants all the time then the costs will rack up! However…

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October 2015 Income/Expenses

October 2015 Income/Expenses

Comments 14 comments

It’s payday today which means time for this month’s Income/Expenses! I think it’s important to keep track of your income/expenses every month as it allows you to spot trends and areas for improvement. I find it really useful to track the spending changes each month, and really motivating to see the networth improvements. Sometimes it can seem like financial independence is so far away, but by watching your networth steadily increasing you’ll know you will reach that point eventually. I’ve…

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Times not to discuss Finances and Early Retirement

Times not to discuss Finances and Early Retirement

Comments 19 comments

I had an awesome Saturday this weekend at Huw’s FIRE Escape meetup in Devizes. While being a great opportunity to finally meet some of the many faces behind blogs I regularly follow and hear some of their stories first hand, it also provided a rare opportunity to discuss personal finances and early retirement in an open way I’ve found impossible to do elsewhere. If the British are infamous for being reluctant to discuss money, even basic personal finance areas.. it’s…

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Special offers want you to spend, not save

Special offers want you to spend, not save

Comments 8 comments

Yesterday I was taking a rare non-work related trip in my car to the discount supermarket when a radio advert pricked up my ears and immediately alerted my fine-tuned consumerism warning system that something may be amiss. The advert started off relaxed and friendly, lulling you into a false sense of security; kids playing the background, adults chatting amongst themselves.. that kind of thing, when without warning I was hit by this whammy of a statement: “You might want to…

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