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I blog about Financial Independence , frugality , and seeking happiness

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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

Savings Report #83 - Margin Loan

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 little update as I’m already late this month. May was a rollercoaster of work and now I’m on parental leave for the rest of the year. We’re planning some trips over the next 6 months but have to get comfortable doing it with Baby SavingNinja - everything is so much more complicated now....

June 13, 2025 · 2 min · SavingNinja

Savings Report #82 - Utility of Savings

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’re still around £130k down since January. If this was 3 years ago, it would have been half of our networth! When I look at our net worth chart from My Financial Journey , the dip still doesn’t look that bad compared to the huge gains last year....

May 10, 2025 · 3 min · SavingNinja

Savings Report #81 - Tough

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. Skipping doing a full update this month. Not feeling the motivation. Markets are very down and they’re even more down from when I took this snapshot. It’s not the markets being down though. Life with a baby is still hard and we’re still missing our american home....

April 7, 2025 · 1 min · SavingNinja

Savings Report #80 - Old New House

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. Wow, what is going on with the world right now? Trump is everywhere on my feeds and everything he’s doing seems super dystopian, but I’m unsure if this is as bad as it seems or it’s just my own social media algorithm, you never know these days - especially as I haven’t watched live TV for years....

March 9, 2025 · 3 min · SavingNinja