The iPhone 11 & Perceived Obsolescence

I enjoy tech but I’m the kind of guy that only really looks into a product if I’m in the market to buy something, especially so over the last nine months of the shopping ban, an item has to be broken for me to be able to replace it. I watch very little TV to see any advertising, social is…

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Your Personal Finance, It’s Never Too Late.

 The situation with my own personal finance came to a head around two years ago, £2k overdrawn, credit card debt and no savings to speak of. The amount of pain it was causing me made the situation no longer bearable, pain is a great way to motivate you to do something about a situation.  The situation from then to now…

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Shopping Ban Update Nine Months Down.

Around nine months ago to save money and pay off debt I decided to begin a shopping ban for twelve months. If you haven’t heard of this before or read any of the earlier blog posts, this essentially means that for twelve months, I was banned from buying any new clothes, books, magazines, DVDs, Blu-rays, electronics and household items. I…

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I haven’t been around for a while, here’s why….

I haven’t been very active on my blog or related social media at all lately, I really would like to have been around more, but I’ve just been incredibly busy. I listen to The Disruptive Entrepreneur podcasts by Rob Moore, I really enjoy them and there were one or two very simple things he touched upon which made me question…

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Book Review: Stuffication by James Wallman

I started making changes to my own life a little over twelve months ago, forever in financial trouble when doing research on how to make a change, one simple thing kept cropping up again and again, “STOP buying stuff!”. I began with reading A Year of Less by Cait Flanders and I’ll always say that book was what truly sparked…

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The Monzo Card – Digital Envelope Budgeting?

We’ve done really well lately with all aspects of our spending and saving but I noticed over the last two months our agreed £300 monthly spend on the food/household shopping had increased; March £440 and April £558! The one area we’ve always struggled with is the spend at supermarkets, we are foodies and always will be, we cook all meals…

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No Alcohol For One Year – I Made It!

No Alcohol For One Whole Year; I Made It! 365 days ago, I made the decision to no longer drink alcohol. I suppose you could say I had a wake-up call, for quite some time I knew deep down that something in my life needed to change, I needed to take action and rewrite my story, I knew it was…

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Shopping Ban Update 2 Months Down!

So, I began my shopping ban on February 1st 2019, challenging myself to a period of one year where I would stop being a consumer of goods in the traditional sense and only purchase necessities such as groceries, toiletries and work-related consumables. I was totally inspired to do this after reading A Year of Less by Cait Flanders and seeing…

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Zero Based Budgeting- Tracking Every Penny

So, the journey to our dream and FIRE really is in its infancy, but everyone’s got to start somewhere right? We’ve been keeping a careful eye over our bank accounts over the past twelve months, checking it daily and watching that the money was going in the right direction and successfully keeping out of the overdraft. Though I wouldn’t say…

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New Customers Only – Treating Loyal Customer Badly

When beginning our new-found frugal lifestyle changes were made across all areas of our life, we cast a careful eye over everything that costs us money on a monthly basis, deciding whether we needed it, if it was essential or not, could it be cut to save us money? We carefully studied every bill, subscription or purchase cutting where necessary…

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