It’s that time of year again where I create the charts, review the data, analyse, and seek to improve. Looking back at 2018 reviewed I’m aghast at how much I’ve forgotten and shocked at the amount that can get accomplished in a single year. That’s why these posts are so important; not just for personal finance but for all of your goals. The clarity that journaling gives you means that you can achieve anything that you set out to do as you’ll have time to reflect, analyse and get incrementally better! ...

This is a Saving Ninja savings report. Go to How To Track Your Savings to check out the Saving Ninja Super Spreadsheet. Please note that I split my expenses equally with my partner and the savings rate, house equity and house value represent my share only. The spreadsheet calculates my savings rate based off £12,000 worth of expenses per year, even though my expenses are actually Less Than 10k Per Year . This is to create a buffer; I’m aiming for at least 12k to reach financial independence. ...

Update: With the Saving Ninja Super Spreadsheet being over one and a half years old, it was about time it got modernised and bought into the fully online world of Google Sheets and away from Microsoft Excel. Reminder: To download the sheet for your own use, Subscribe, and the download link will be emailed to you! As of December 2019, all functionality can be used on Google Sheets, this includes the ‘Years to FI’, ‘Drawdown’ and ‘Compound’ calculators. There is no longer any need to install Microsoft Excel and download the files, although there are still Excel versions available on the Ninja page which all of my subscribers have access to. ...

Welcome to Thought Experiment #9. At the beginning of each second month, a thought experiment question will be tweeted under the hashtag #ThoughtExperiment and everyone is invited to participate with their own posts, these will then go live together on the 15th of the next month (you can still join in after this date). Below is the question asked for this Thought Experiment. You’ve arrived at Firearto, better known as ‘Earth 2.0’, an exo planet located over 200,000 light years away. As you walk down the exit corridor of your spaceship along with another million colonizers you think to yourself: What will I do here? Firearto is a planet that has no monetary system, all of your needs are provided for by FSY (Firearto Space Corp). How will you live your life? ...

This is a Saving Ninja savings report. Go to How To Track Your Savings to check out the Saving Ninja Super Spreadsheet. Please note that I split my expenses equally with my partner and the savings rate, house equity and house value represent my share only. The spreadsheet calculates my savings rate based off £12,000 worth of expenses per year, even though my expenses are actually Less Than 10k Per Year . This is to create a buffer; I’m aiming for at least 12k to reach financial independence. ...