Category Spending & frugality

It’s Easier Without Children (Part 2)

In It’s Easier Without Children (Part 1), we talked about how not having a child could save you a million pounds. And that’s certainly possible. The decision of whether to have children is super-important and children can cost LOTS of money. But it doesn’t matter that modern life feels so expensive. Logic tells us that it must be possible to […]

Who’s the bitch in this relationship?

Meet Justin and Jessica. They’ve been together for just over a year. Justin is the one wearing the ill-fitting T shirt and cargo shorts. Jessica is the immaculately groomed one in metallic grey.  Jessica is expensive to run and a little above Justin’s paygrade. Perhaps that’s why he’s so devoted to her? Justin thinks he’s got lucky but I’m not so sure about […]

The inestimable advantages of paying yourself first

Paying yourself first is something that I’ve mentioned before. But I haven’t yet fully explained it’s amazing power to accelerate your journey to financial freedom. Paying yourself first is what it says on the tin. You pay yourself before you pay Netflix, the supermarket, the bank, the utility companies, the breweries, cigarette companies, gift shops, Premier […]

Get Rich with Recycling

When my daughter turned 17, my parents very kindly gave her 2 things for her birthday: firstly, driving lessons and secondly their old banger car which they were replacing. That’s the good news. The bad news is that, although the 11 year old Ford Ka (street value ~£200) cost us nothing, we’ve temporarily become a […]

What to expect when you’re expecting

So you’re expecting your first baby! As we all know from the adverts and the Disney films, this is the most wonderful thing in the world, a time of boundless joy and happiness where you bring life into the world, strengthening the bond with your soulmate and everyone living happily ever after. Or is it? […]

THIS IS AN EMERGENCY!!! (Part 2)

In THIS IS AN EMERGENCY!!! (Part 1), we looked at the importance of getting your financial shit together, right now. Remember the example of Kate and how powerful it is to get your compounding machine working early.  As a quick reminder, £15,000 invested between the ages of 18-25 can turn into over £1 million pounds over […]

To defeat your enemy, you must first know your enemy (Part 2)

To avoid being tricked by The Man, you need to understand the cunning ways of his helpers in the advertising and marketing industries. In Part 1, we took a look at how advertising works.  When you are surrounded by advertising, you absorb it without thinking. It then shapes your decisions….unless you actively choose to reject […]