health

on SIBO: pitfalls and progress….?

In my post about the cost of having a digestive disorder, I shared that I had finally got an answer to what was causing me problems – SIBO (small intestinal bacterial overgrowth). That was in November 2017 and I’ve spent the whole of 2018 thus far, trying to get on an even kilter and improve things for my little gut bugs. I’d say overall, it’s not been smooth sailing but I definitely have made progress…

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money

on side hustles

A long standing debate amongst the financial independence community seems to centre on the topic of whether it takes high income or frugality to get you to FI quicker. Having been immersed in the pursuit of financial freedom for over 2 years now, I’ve come to the conclusion that frugality definitely helps the process but a high income will inevitably make the dream more of a reality – for us at least. hustle your way…

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money travel

on avoiding card fees on holiday

The flights are booked, the hotel room reserved and the case is packed – it’s holiday time! And in this wonderfully modern age we live in, gone are the days where you need to travel with travellers’ cheques or a whole stash of foreign currency. plastic fantastic Today, you can get away by jetting off with just some plastic in your purse. However, these aren’t your ordinary bank cards – 9 times out of 10…

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monthly spending report

spending report – august 2018

Another month complete, another spending report up on the blog. August has been notably quieter than June and July, which I am extremely grateful for. We’ve had some quieter weekends which have been welcome and have pretty much spent most of the month excited for our holiday at the beginning of September. We haven’t had a proper extended break yet this year and it’s definitely telling on our mental and physical states! credit cards: how…

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money

on saving money and the environment

I’ve always been an environmentalist at heart. When I was about 8 or 9 I felt so strongly about environmental issues that I wrote letters to both the Queen and the Prime Minister (John Major at the time) about how worried I was about the ivory and snakeskin trades. I’m not sure if I thought they’d be compelled to do something about the matter after reading 1 little girl’s letter, but I just felt the…

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money

on money and relationships

Money and relationships. There’s not many things that can be so divisive between a couple. But, just like there’s more than one way to skin a cat, there is definitely more than one way for couples to manage their financials. The folks over at the Money Advice Service also have a very useful guide to money management for couples. From talking over the years with family, friends and colleagues, the 3 most common scenarios for…

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money

on workplace sharesave schemes

I think it’s fair to say saver’s have struggled with the historically low interest rates the UK has had for over 8 years now. For borrowers – mortgages and personal loans have seen very advantageous rates and deals but for saver’s… not so much. From easy access savings accounts, ISA’s, NS&I bonds and stock market investing, there are plenty of places people can stash their cash to try and grow their net worth. But with…

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financial independence

on not hating my job

It’s not a prerequisite to hate your job when you’re on the path to financial independence. I actually love my profession and love the career I have built. But as much as I find fulfillment and satisfaction in it, I’m still quite willing to close the door on that part of my life when we hit FI. I worked hard to get where I am in my career, with a postgraduate degree required before I…

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monthly spending report

spending report – july 2018

Here’s July’s spending report. Below, you’ll find a few explanations to give you some context and then the categories where our money gets spent. Aiming to become financially independent means we want to keep our spending as low as we can. This year, we’re having to deal with some health related challenges that has inched our spending up. We can afford it, but it also means our spending in some categories is higher than we’d…

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money

on paying off my student loan

In 2017, I paid off my student loan *cue wild cheering*. I took the unconventional route and actually paid off the remaining balance as a lump sum. the balance I had a total of £13,631.01 coming out of university in September 2008. I was on plan type 1, for people receiving loans on or before September 2012. Once eligible to begin repaying your loan, your repayments are 9% of your earnings above the threshold that is…

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