Consolidating your expenses has long been a tradition in British culture. It stems back to the days where a father had to barter with other families to trade off his daughter as a bride in place of cattle or arable land. The daughter would then become the property of her new husband. Their finances then become one, “What’s mine is yours.” It was the wife’s duty to raise children; it was unimaginable for them to earn money, so the joining of the household finances had to happen....

This article signifies the start of a new post category which I’m going to name, ‘Thought Experiments’! The way this type of post will work is by starting off with a question, like “What would you do if you got given £1 million?”, and the blogger will have to write whatever they first think of. No pre-planning or major editing allowed and blabbering is definitely encouraged! It should read like an internal monologue....

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. Natwest have just opened up an extremely generous switching offer; £125 lump sum cash. This offer is even open to existing Natwest customers[note]You’re not eligible for this offer if you’ve had cash back for switching to Natwest since October 2017.[/note]. Just like the Nationwide Bose Headphones offer , this too just requires one deposit....

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 ....

There’s a war that has been raging on in the FIRE community since the beginning. Every corner you turn, every FIRE forum you stumble upon, you’ll see people arguing for and against including your home in your FI calculations. I’ve always been in the for camp, but I’ve never fully explored the notion. So, for my benefit as well as yours, let’s deep dive into this question - Should you include your house in your net worth?...