Since I started commuting and working in London almost two years ago, I’ve met a lot of people that say they can’t save money due to big cities being too expensive. London is one of the most expensive places in the world, but I’ve learned over this period that spending is still a choice. In-fact, I think bigger cities have cheaper options than some of the more rural places, you just need to know what to look for....

A couple of months ago I was contacted by David Sawyer to review his book; RESET . Being an avid reader and never having read a UK centric Financial Independence book before, I happily obliged. One of my goals for 2019 is to read more Financial Independence orientated books, so RESET was a great first one to pick up! My all time favorite FI book is ‘Early Retirement Extreme ’ by Jacob Fisker....

A lot has changed in 2018. In exactly 3 days on the 11th of January, this blog will turn 6 months old. Has it really only been that amount of time? It seems like I’ve been talking to you forever. Even though I’ve not been posting for a whole year yet, the start of a new one is the perfect time for contemplation and planning. This way, at the end of 2019, we can look back at the progress that has been made and see if our goals and expectations have been met....

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 ....

Back in August, I released the Saving Ninja Super Spreadsheet , that’s the spreadsheet that I use each month in my savings reports . There’s also another spreadsheet that I use at least once a year to set myself a budget. I use this spreadsheet to figure out how much I can afford to invest each month. I’ve been working on the Saving Ninja Budget Spreadsheet for quite a while, I didn’t want to release it until it was finished....