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I blog about Financial Independence , frugality , and seeking happiness

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Savings Report #88 - Hedonic Adaptation

Click here to see all of my past Savings Reports and view my interactive net worth chart Go to How To Track Your Savings to check out the Saving Ninja Super Spreadsheet. October was another good month for the markets and for the value of the pound, raising our net worth even further. I’m just waiting for the crash at this point. We’ve really settled into our windy northern home now, everything is unpacked and it feels like home already....

November 7, 2025 · 3 min · SavingNinja

Savings Report #87 - Moved to The North

Click here to see all of my past Savings Reports and view my interactive net worth chart Go to How To Track Your Savings to check out the Saving Ninja Super Spreadsheet. Very late with this update as I’ve had a very hectic start of the month moving to the north of England. We opted to do it all ourselves again - renting the van, loading, and driving 6h with no help and a 1 year old is a stressful experience - but we’re experts at it now....

October 20, 2025 · 3 min · SavingNinja

Savings Report #86 - Quick One

Click here to see all of my past Savings Reports and view my interactive net worth chart Go to How To Track Your Savings to check out the Saving Ninja Super Spreadsheet. A quick update as I haven’t got much time this month. We’ve just got back from a big road trip and preparing for a move across the country; 6h each way that we’ll be doing twice with two rental vans on our own with a 12 month old - fun times....

September 9, 2025 · 2 min · SavingNinja

Savings Report #85 - Moving Up North

Click here to see all of my past Savings Reports and view my interactive net worth chart Go to How To Track Your Savings to check out the Saving Ninja Super Spreadsheet. We found a buyer for our house! We accepted an offer quite a bit lower than we were expecting at £217.5k. I then began to panic when instructing a solicitor, as all of them said that they’d have to let the current mortgage provider know we’re living there, so my plan to wait until September to pay off the mortgage was foiled....

August 1, 2025 · 6 min · SavingNinja

Savings Report #84 - Buying vs Renting

Click here to see all of my past Savings Reports and view my interactive net worth chart Go to How To Track Your Savings to check out the Saving Ninja Super Spreadsheet. The stock market has gotten back into full swing now, funds sitting at the same price they were back in February. As GBP is 10% stronger, these USD denominated funds are still showing around 10% less, though, which means right now they’re still on sale!...

July 4, 2025 · 4 min · SavingNinja