lifestyle

on project 333

Almost two years ago now, I watched Minimalism: A Documentary About the Important Things on Netflix. I ended up watching it twice in two days because, as I sat in wonderment the first time around about how truly amazing it was, I knew Mr. NC had to watch it too. We’ve always erred on the side of owning a minimal amount of possessions and I don’t like a cluttered house. I’ve had regular clear-outs since I…

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financial independence

on 2018: our financial year in review

2018 was a good year financially. Having got back to the UK in late 2017 from living abroad, 2018 was our first full year back and we were looking forward to getting our heads down and saving hard for a house deposit. Looking back, we saved and side hustled our behinds off to move closer to our short term goal of buying a house. We also finally opened our Lifetime ISA’s and managed to fund them…

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money

on subscription boxes: silent savings killers

There’s something out there that’s silently crushing your ability to save. It’s superfluous and a complete money drain. What am I talking about? Subscription boxes. It started with one or two but has simply proliferated into obscenity. There are so many subscription boxes on the market. what the heck am i going on about? For a monthly fee you can receive a small box of pretty much anything of your choice. Food, alcohol, beverages, beauty,…

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monthly spending report

spending report – december 2018

I’ll just put it out there straightaway – I don’t like Christmas and subsequently, December is one of my least favourite months of the year (close on the heels of January). I’m most bothered by the excess I see everywhere and largely just go through the motions of the festivities. Yes, I have a tree (I’m not that much of a scrooge) and I appreciate the twinkly lights. But equally, I’m happy when the 27th…

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health

on a year’s health spending

Earlier this year, I wrote about the cost of having a digestive disorder. With 6 months having passed since I put pen to paper on that post, I thought I’d look back over 2018 as a whole and see how much I spent on trying to get my intestines to work like that of a normal human being. current state of play Overall, my stomach is in a much better place than it has been…

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money

on the habits of a perpetual saver

I need some new tights and socks. I’m down to my last 2 pairs of everyday socks as I’ve worn through holes in 3 pairs in as many months. Same with the tights, holes popping up all over the place. Why am I telling you this, dear reader? Well, this example I’ve come to realise, says a lot about me. More specifically, it says a lot about my spending habits (ergo my saving habits). Almost…

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monthly spending report

spending report – november 2018

November flew by starting with a bang with a wonderful fireworks display. We then had a glorious 10 days away from home with a little staycation in the UK. Initially, it was meant to be a long weekend but we felt like we needed a bit more of a time out and so we extended it to 10 days. Yes, we went over our initial budget for the long weekend but all told, it didn’t…

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money

on matched betting

As I alluded to in an earlier post on side hustles, we began matched betting in June at the beginning of the World Cup as a way to boost our savings. A (lucrative) time suck The headline takeaway is that it’s been lucrative – we’re up to about £2,500 in earnings (from middle of June to middle of October) but that it’s also a massive time suck & I actually don’t think many people who…

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monthly spending report

spending report – october 2018

October is done with more money in the savings account – the forward march of savings progress is always a happy event! I finally got my pay rise at work, which was dismal but it was backdated to April so a welcome little extra in this month’s payslip. We did OK in October – spent more than we’d like to in some categories but less in others which equals itself out with no overall budget…

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travel

on what we packed to go travelling

In 2017, we took some time out from saving and went travelling for 4 months. It was a wonderful experience – too wonderful to put into words sometimes. It definitely had an impact on us in more ways than one and it’s something we hope to repeat again – before we reach financial independence. We could wait and travel all we like when we no longer need conventional jobs, however, life is for living and…

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