How To Avoid Money Conflict In A Relationship

save money May 28, 2019

Money is the number one cause of conflict in relationships. In fact, recent research has shown that money is the number one reason given for divorce in both the UK and the US. 

This is not surprising really as someone’s money personality is not really something we think about when choosing a new partner. Perhaps we should though, because money has the power to impact almost all elements of our lives. 

The type of work we do, the food we eat, the health choices we make, where...

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How To Feel Great About Spending Money

save money Apr 23, 2019

Spending money used to be a topic of anxiety in my house. When I started on my journey to Financial Freedom around 5 years ago, I knew I wanted to be free, but I didn’t really know how to get there. I hadn’t worked out the formula yet.

I knew I needed to save a whole load of money and so I tried to put my spending on complete lockdown - and failed!

You see – I like spending money. It allows me to do things that I like doing. It allows me to travel and have weekends away. It...

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Your Money Or Your Health

save money Apr 02, 2019

Sometimes you have to make a decision that is not black and white. Most people following this blog will be committed to some degree to Financial Independence. This requires saving a large amount of your income and possibly making some minor sacrifices (I don’t think you should deprive your life of all enjoyment now to achieve Financial Independence later – find out why here).

But, some decisions are not that simple. Sometimes you have to decide if you are going to prioritise your...

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The 7 Stages Of Financial Freedom

make money save money Mar 19, 2019

When you set off on your journey to Financial Freedom, it can seem like a long way to travel.

Perhaps at the moment you are struggling to make ends meet or perhaps you are deep in debt. How do you go from there to Financial Freedom?

The leap often seems too big to contend with and so human nature is simply not to try. When we perceive things as too difficult or ‘impossible’ we often give up before we have gotten started to save ourselves from the potential failure.

As with all...

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FIRE Doesn't Have To Be Frugal

make money save money Mar 12, 2019

I stumbled across an article the other day on Vice where someone new to the FIRE (Financial Independence, Retire Early) movement, was giving it a try as a new years resolution.

The journalist who had written the article had gone from zero to 50% savings rate pretty much overnight which I think is pretty impressive in anyone’s book and I have huge respect for him for giving it a try in the first place, let alone doing so to such extremes.

The problem with this ‘nuclear’...

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5 Budgeting Mistakes Almost Everyone Makes

save money Feb 26, 2019

Creating a budget was one of the best things I ever did for my personal finances and ultimately, my Financial Freedom.

I made a ton of mistakes along the way with my personal finances and a lot of them were to do with budgeting and basic money management.

If I had learned about money management earlier in my life, I would probably be far further ahead in my own Financial Freedom journey than I am now.

There are a lot of budgeting mistakes that almost everyone makes at some point in their...

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Anyone Can Retire In Their 40's

save money Feb 12, 2019

I saw an article on BBC news the other day that was provocatively titled “Could you retire in your 40’s”. Now with a title like that you simply have to click, but the report didn’t really live up to the hype.

For starters, despite the video being called could YOU retire in your 40’s it didn’t really do much to explain how someone new to the FIRE community (FIRE = Financial Independence, Retire Early) could get started on their own early retirement journey.

...
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How To Buy A House Before You’re 25

save money Jan 29, 2019

Ok, so we all know that millennials can never buy a house right? The news says so. The news tells us that millennials are avocado eating layabouts with so much student debt that they don’t know which way is up any more. How could they ever afford a house?

This is all baloney of course, but I have been there.

When I first moved out and rented a place, I got caught in the trap of thinking that I could never have a home of my own. I assumed that prices would always just be unaffordable and...

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Burying Your Head In The Sand Is Costing You Your Freedom

save money Jan 22, 2019

Ok, so the title of today’s post is a little extreme, but the inspiration comes from something that someone said to me the other day at an event when I told them I help people to become Financially Independent.

As I was explaining that making a budget (looking at what you have been spending in the past, AND what you should be spending in the future) was the first step for most people, he interrupted me and said “but I don’t have enough money to justify having a budget,...

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Long Term Decisions vs Short Term Circumstances

save money Nov 28, 2018

Today I am going to talk about what I think is one of the biggest financial mistakes you can make. That is making long term decisions based on short term circumstances.

What I mean by this is people making (or breaking) really long term financial commitments because of their current situation. Right now. In the moment.

A great example of this is when people are thinking of taking on a large debt, like a mortgage on a new home or a car finance package.

These are long term commitments and they...

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