travel

on ways we keep travel easy and cheap

There’s no doubt about it; travel is exciting and a break from the ordinary. It’s a chance to kick back, take a well-earned break from ordinary day to day life and just chill. It’s a chance to take a break from the humdrum of chores, of cooking and of generally just having to adult your way through the week. I always get so excited when we’ve got a trip planned. My head fills with all…

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monthly spending report

spending report – april 2019

It felt like Easter took forever to get here this year and so I was very happy when April rolled around. We had a lovely Easter weekend away and I had another week off work which was nice to just chill at home. Overall on the spending front, we went around £200 over our ‘guideline budget’ but I did get myself a tattoo(!) and we hadn’t actually budgeted any money for our Easter weekend away,…

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travel

on staying organised when travelling

Everyone has their own way of organising and managing things and everyone definitely has their own way of planning and enjoying travel; even down to the type of trips people prefer to take. Some enjoy cruises, some enjoy backpacking – others enjoy resorts and some are really into all inclusive deals. What all of these trips and travel have in common though, is they need to be planned, booked and organised. our travel type I…

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monthly spending report

spending report – march 2019

March ended up being a bit spendy and feeling quite long. Talking to friends, it wasn’t just me feeling like that either. Overall, we had a lovely month, seeing friends and family and going out for some lovely meals. We also went to our local theatre to see a play which was delightful and we managed to catch up with a friend who moved to the other side of the country a couple of years…

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life

on shared ownership

Shared ownership is a way to get on the housing ladder if you’re a first time buyer and can’t afford to purchase a flat/house outright. You buy a share of a property with, typically, a housing association (HA) owning the rest. You pay a mortgage on the part you own and rent on what you don’t. It can seem a tangible, achievable way to get your foot on that first rung of the property ladder.…

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monthly spending report

spending report – february 2019

February was short and sweet. We started off the month with a lovely, snowy break in the Cotswolds. We stayed at a luxury spa hotel with money made through matched betting, which was amazing as it was incredibly indulgent and lovely made even sweeter by the fact we were using our side hustle money to pay for it. We also had a couple of gigs with friends in February and had some lovely days out…

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life

on love

I feel as though no sooner than the tinsel and baubles are taken down, the hearts and heart-shaped bunting is being put in its place in preparation for the oh-so consumerist event that is St. Valentine’s Day. Actually, I can attest to seeing an employee in Clinton Cards stocking valentine’s gifts in the week leading up to Christmas. These days, we aren’t even left to enjoy one event before another is being shoved down our…

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monthly spending report

spending report – january 2019

Hot on the heels of my dislike of Christmas, is my general malaise towards January. I’m not quite sure why I don’t like it but I do know how happy I am when the 31st rolls around. To be fair, this January went by fairly quickly and we had a nice month seeing friends and sorting some life stuff out. I don’t make resolutions but I am up for our own personal challenge this year…

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money

on attitude (and saving £30,000 in one year)

Attitude is everything when you’re trying to achieve something – particularly if it’s fiscal in nature. Paying down debt or saving a hell of a lot of money requires the right mindset. Having the right attitude, when you’re trying to save money is equally as important as the physical act of transferring money into your savings account each month. Prior to the initiation of our plan for financial independence, we’ve had one other significant savings…

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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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