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 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. This generous offer from HSBC has been around for a while now, but since I’ve referred to it in a few different articles I thought I’d make an official post documenting the details. Before taking on this offer, be warned; it’s a tricky one due to the high pay in requirement and HSBC will do everything in their power to not pay you and stall....

Just like Matched Betting , switching bank accounts takes advantage of the free money that most high-street banks are now offering to switch to them. Once you’ve done some setting up, it can take as little as 10 minutes to complete an offer. With offers bagging you things like a pair of Free Bose Headphones or £125 cash the time value commitment is through the roof! It means bank account switching can clock in at over £600 per hour....

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....