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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Get out of debt by making the smallest of changes

When we decided we need to make a change in our lives and get out of the overdraft once and for all, the very first thing we did of course was to go through our expenditure with a fine-tooth comb. I sat going through every payment, purchase, direct debit, every single penny to find out exactly what was going where.…

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Smashing Goals with #ThisIsMyEra

One of my reasons for going alcohol free was because of the promotion I received at work, typically it consisted of a bigger work load, more responsibility and generally being crazy busy! I figured going alcohol free it would benefit concentration, and productivity all round to help make my new role easier. Obviously doing this alone would not help with…

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One Year Shopping Ban Day 1

So today is the first day of my one-year shopping ban, I thought I would outset the rules in place to govern me for the next year. I don’t need to spend, I don’t need any more stuff and, in the run up to this a lot of thought has been put into what I might need before deadline day…

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The Shopping Ban coming February 1st!

For years now, my wife and I have gone around in circles with credit card debt and overdrafts. On several occasions, we’ve come into money and paid off what we owed only to build it back up again. I think we’re both equally to blame for it, we always wanted those holidays, treats or experiences. Never keeping a close enough…

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