Do you ever get that general feeling of unease and not know where it’s coming from? You begin to feel agitated, or for a more fun word from my Italian heritage; you become agitato. When you’re agitato you’re not very fun to be around. General symptoms include anger, impatience, and annoyance. Being agitato means that you’d rather curl up into a ball and wallow in self-pity than do anything productive. ...

What if I told you that there is a business model that can generate five figures per year passively and has no need for any upfront cash investment? And what if I told you that this same business model requires zero marketing to be successful, customers will just be there in their millions, buying products that you haven’t spent much time on? Sold? Say hello to the first side-hustle that I started that was successful enough to incorporate. The only side-hustle that has still generated a sufficient sum over the past 12 months without me having to lift a finger - Merch By Amazon. ...

Welcome to Thought Experiment #2! The last one, ‘If you won £1m ’ went so well that these will now be a monthly installment. At the beginning of each month, the question will be tweeted under the hashtag #ThoughtExperiment and the posts will go live on the 15th of every month. I recommend to all who want to participate to have your posts written before the 15th and then post them on or after this date, I’ll then add you to the list! ...

NOTE This is one of the best hustles that I know. I’ve convinced a lot of people at each office I’ve worked at to become a student and get a TOTUM card. The amount of offers you can get are insane, the best being 10% off Apple, 10% off the CO-OP and half-priced Amazon Prime. If you are lucky enough to grab a card for 3 years when one of the loop-holes open, go for it! They’re worth every penny. As you’ll see from the strike-throughs, this post was actually written a while ago. The loop-hole then closed so this never got posted. Yesterday, it opened up again with a different method. I’ve now got my 3-year card coming in the post! So if you want to benefit from all of these savings, hurry! It might not last long. WARNING: It didn’t last long. Learndirect is now not recognised. Go to the comments to see if a new loop-hole has opened up. ...

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. ...