I entered the mortuary with my heart in my throat and my father at my side. Nerves wracked through my gut, I had no idea how I would react when I first saw my uncle. Would I freeze? Would I not be able to go into the room? I shakily opened the door and began to walk inside, as I rounded the corner I began to glimpse him. Like an animatronic in a horror show, I barely recognised him. Laying so still with his features so gaunt. I could see the glue on his lips that they used to keep his mouth from opening. Tears began to fill my eyes. ...

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. ...

Each Way horse race betting is by far the best way you can make a ridiculous amount of money from matched betting, it also takes the least amount of time. So if you’re the type of person that thinks normal matched betting is too time-consuming due to all of the laying and Excel tracking, or if you only have a small amount of time during the day on your mobile phone, EW betting is for you. From only committing to an hour or so each day, you can be looking at profits in the thousands of pounds per month, and remember that this is all still tax-free! ...

A quick mini-post to let you guys know that the matched betting spreadsheet has been refurbished in preparation for the Each Way betting guide that will be coming out on Thursday. (Sorry for the subscribers that got an accidental email last week saying that the EW guide was out already!) The last release was very much a rough and ready spreadsheet that I used myself, now it’s had a Saving Ninja overhaul. ...

“The more dollars adult children receive, the fewer dollars they accumulate, while those who are given fewer dollars accumulate more.” - The Millionaire Next Door Whilst reading through The Millionaire Next Door , this quote is what stood out the most. People have been toting the phrase “the generational wealth gap” for decades. They say that wealth begets wealth and that the poor cannot compete. Why then does this book that was written over 30 years ago say that the opposite is true? And why does it resonate so much with me? ...