Free Bose Headphones Worth £170!

This is a bank account switching offer. Read The Full Guide to Bank Account Switching for more information on how to make the most of offers like these. Could this be the best bank account switching bonus is history? First Direct are offering a free pair of Bose Wireless Headphones if you switch your current account to them. Here’s the link . I’ve always been an advocate of bank account switching, but this seems like the best one yet....

August 19, 2018 · 2 min · SavingNinja

Savings Report - July - First One!

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 ....

August 16, 2018 · 3 min · SavingNinja

How to Live Off 10k Per Year

Me and my partner have always been low spenders. I came from a family where my parents both earned minimum wage for all of their lives so I’ve learned to be happy with less. I’m fed up with being met with disbelief or responses insinuating that more or less I must have a rubbish life when I tell people at work how low my expenses are. Here’s a little break down of them (I split everything equally with my partner)....

August 16, 2018 · 4 min · SavingNinja

Charles Stanley Direct Raise Fee to 0.35% - What Platform to Use Now?

Charles Stanley has been the cheapest percentage based platform that offers a SIPP to invest from for a long while. How will their recent price hike change things? Who is the best investment platform? Investment platforms are really complicated. They each have different rules and prices depending on different pot amounts and transactions. You won’t find a ‘here’s the price’ type statement on any platform. Basically, all of the platforms have different fee structures between an ISA and a SIPP; it’s messy!...

August 11, 2018 · 3 min · SavingNinja