Welcome to Thought Experiment #4. 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 wake up one rainy morning and after checking on your accounts you find out that you’ve been ‘wiped-out’ by a cybercriminal. You’ve lost all of the money and assets that you’ve ever owned and you can’t get them back. What will you do? ...

Even though I tout about how amazing matched betting is to everyone that I meet, I still find that some people simply won’t give it a try. Mostly their reasoning is that they don’t have enough time to ‘learn’ how to do it or that they’re still skeptical of the loads of tax-free income that some people say they are making each month… “It must be illegal.” people say, or “I don’t wanna do anything dodgy.” But they’re wrong… It’s not illegal and it’s not dodgy! ...

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. ...