It’s Been A While

I hope you are all well and that the financial winds blow strongly for you. I stopped blogging back at the start of 2019 for various reasons: 1) My girlfriend moved in with me and our finances became more intertwined - she gamely let me incorporate her income, expenses, and net worth into my spreadsheet, …

November & December 2018 Review

Hello all and apologies for my absence, I don't really know where the last two months went. I wanted to get through the monthly posts quicker so I have more time for my end of year review and some other posts I've been thinking about writing, so I've combined November and December into one post. …

October 2018 Review

Sometimes when I'm trying to recall what I did over the last month I have a look at my spending tracker. The expenses tell a story. For example, on the 13th October: Or how about the 19th October:   Or let's perhaps have a look at the 2nd November (going into the 3rd): One day …

The 18 Year Property Cycle

A strong caveat before you read this post, I'm not an expert and you should take any advice here with a pinch of salt (probably you should ignore my advice altogether). Do Your Own Research. After a recommendation from a friend I've been listening to the Property Podcast recently, picking out odd episodes that sound …

September 2018 Review

It seemed like FIRE was everywhere last month (or 'The Fire Movement' as it now seems to be called). I'm not sure exactly what triggered it, I think it might have been this New Yorker article, but suddenly I was seeing articles everywhere, in The Times, The Torygraph, The Guardian, The Daily Fail. I was …

August 2018 Review

I'm really late this month with my monthly review because everything's got a bit crazy busy. My girlfriend is moving in with me, so if our weekends weren't busy enough already there's that to contend with. I've been remortgaging both of my houses, which means paperwork all over the place. I lost my wallet a …

Why You Should Calculate Imputed Rent

Last week I wrote about savings rates and how I calculate them. This week I want to expand on that and show you how I factor in my house and my mortgage. Again I'm not saying this is the only right way to do it, but it makes logical sense to me and I wanted …

Savings Rates Revisited

One of my first ever posts on this blog was about savings rates and how best to calculate them given taxes, passive income, mortgages and so on. It was one of the reasons I started this blog, to try and make sense of it all. Since then I've been religiously updating my spreadsheets from month …

July 2018 Review

I'm not sure where to start this month as my life has been a bit all over the place. So, in the manner of an ill-prepared presentation, I'm going to do bullet points: My car continued to cause me grief. I cut my losses with the garage I had been taking it to and went …

On Dieting

So I started a new diet recently. I've been putting if off for a while - here were some of my excuses: "Well there's no point starting a new diet before our holiday, I'll wait til after..." "I can't start a new diet while the World Cup is on, that's crazy talk..." "The festival is …