Uber Frugal Month: The Results

January saw us take part in the Frugalwoods Uber Frugal Month Challenge. The Challenge was designed to help people not only save as much money as possible in one month but to reset and hopefully change consumer mindsets. An impressive 9,000+ individuals signed up to take part! We’re not perfect and are always happy for an […]

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When It’s Right To Spend Money

This new lifestyle we’ve been living since March 2016 isn’t about deprivation. It’s not about saving as much money as you can at the expense of your happiness or sanity. Yes, it’s about breaking old spendthrift habits, forming new frugal habits and adapting your lifestyle to maximise your savings rate whilst still enjoying the things […]

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This Isn’t a Dress Rehearsal

You only get one life. This isn’t a dress rehearsal, this is it. I want to live my life as well as I can and the way I want to. However, to enable me to do that, I need £’s. And lots of it. So, I need to live as well as I can, strategically, […]

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Half-Hearted Travel Hackers

We love to travel. It wasn’t always that way. I used to be terrified of flying. I wasn’t afraid of the plane crashing, I was just convinced I’d die mid-flight of a heart attack/stroke/DVT blood clot. Completely rational. However, things came to a head in late 2008 when we became engaged. We both knew we […]

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Shared Ownership: A Cautionary Tale

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 […]

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Our Investment Strategy

The definition of financial independence is broadly having enough sufficient personal wealth to live, without really having to work to provide for basic necessities. For people that are financially independent, their assets generate income that is higher than their expenses. To achieve the milestone of having enough assets that generate annual living expenses, we need […]

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You Need An Emergency Fund

I’m just going to come out and say it. You need an emergency fund. For real*. Not just in the hypothetical sense of “oh, it really would be prudent of me/us to have some money put aside just in case something were to go wrong”. In the actual “we need to take control of our […]

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How we Budget

We have always tracked every single penny with a household budget. And when I say every single penny, I mean every. single. penny. We’ve had the odd remark over the years from friends about how crazy we are to track so closely when we’ve discussed how we all manage household finances. But it works for […]

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2016: Our Financial Year in Review

I’ve never been one for making resolutions at the beginning of a new year but what I have always liked doing is reflecting back over the year and seeing how far we’ve come. For as long as we’ve had a household budget, me and Mr. LLC have always looked back over our yearly finances, not […]

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