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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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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