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....

Welcome to Thought Experiment #3. At the beginning of each 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 every month (you can still join in after this date). The year is 2030, you’ve just spent your life savings on purchasing a ticket to ‘reset’ your life. You’ve gone back in time to your first day of school....

If left to fester for longer than the contract period, Broadband and TV package costs add up quickly. Bills can more than double with countless rises throughout the year. This is even more prevalent with Broadband deals. Did you know that if you actively manage your Broadband and switch when your contract has ended, a Fiber connection is actually cheaper than the standard, slower connection? This is because they’re hoping you won’t switch when your contract is up!...