Contents In theory building wealth is very simple. Cut your expenses as low as you possibly can while growing your income. As the gap between these two numbers widens you invest the remainder into appreciating or cash-producing assets like shares or...
Contents A couple of years ago I quit my job. I did more than just move from one employer to another, however. I quit without another job to go to, packed up my belongings and rented a villa in France for the summer. To some people, I’m mad to give...
Contents Habito and Trussle are two of the best-known online mortgage brokers. As a first-time buyer with little knowledge of the process, earlier this year I decided I would certainly benefit from just such a mortgage broker. I liked the idea of...
Contents As an introvert, I’ve never liked the idea of wandering into a bank to ask about mortgages. Luckily the internet has revolutionised the mortgage industry, with companies like Habito now offering a far simpler alternative. For the...
Contents Buying your first home is an experience that you’ll never forget. However we want to make sure this is for the right reasons! You see, buying a property can be a complex business. There are many different steps, some of which depend on...
Contents Trussle is arguably one of the biggest and best-known online mortgage brokers. In spring of 2019 I was on the hunt for my very first mortgage, and I decided to give them a go. In this article we’ll discuss every aspect of applying for a...
Contents Sometimes trying to get out of debt can feel like swimming through treacle. No matter how hard you try, your progress can be frustratingly slow. Surely there has to be a better way? Today we’re going to look at a huge number of proven tips...
Contents BaristaFI is a phrase used to describe someone who isn’t fully financially independent (i.e. no longer needs to work) but has enough income from passive investments that they only need a modest job to make up the difference between their...
Contents Saving money for a house is tough at the best of times. But if you’re already blowing a load of money each month on rent then things can really be tough. What’s the answer? Having just achieved this dream myself, today I want to talk about...
Contents I started this blog in the summer of 2013, when I was up to my eyeballs in debt. At the time I wasn’t just struggling to keep up with my minimum payments – I was actually failing. I had gotten to the point of just ignoring phone calls...
The concept of early retirement is a popular one among personal finance bloggers. It’s little wonder; who wouldn’t want to give up paid work in their 40’s (or before) to spend the remainder of their life enjoying themselves? It’s a concept I’ve...
Contents CoastFI is a phrase used to describe someone who isn’t yet financially independent (i.e. no longer needs to work) but has already put in the necessary effort to almost inevitably achieve that goal. They don’t need to save any more money to...
Contents If you’re reading this article then you already know how important it is to dedicate time and energy to managing your money. That’s not up for debate. The real question is how to actually find the time to do this in our ever more hectic...
Contents “Frugality” is a word that can instil a range of different emotions. For some, frugality is a source of inspiration and power, allowing you to put money aside for the future. For others, however, frugality is akin to self-sacrifice. For...
Contents Based on the most popular articles on this blog, a fair number of you hate your job. Sadly, there are all sorts of reasons why just finding a new job isn’t possible (right now, at least). Some examples can include: You get paid well above...
Richard