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. ...

A couple of months ago I proposed in Minimalism Part 1 that I was going to attempt to bring new life to my home by discarding and organising everything that I own. Me and the Mrs have now read the Marie Kondo book; The Life-Changing Magic of Tidying . So we feel that we’re ready to tackle the first category… Clothes! Back in November I split my Minimalism journey into 8 categories to better manage the heft of it all. After reading Marie Kondo’s book I’ve learned a few new things, one of them is to do clothing all at once, mainly so that you can pile all of the clothing you own into a big heap and admire it (or think what the hell happened?) ...

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. This is the book that lead me down my current financial path, the book that swayed me to buy a smaller, inexpensive home and to get rid of my expensive car. It took me away from a stressful life and instead lead me toward happiness and financial freedom. ...

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. ...