Click here to see all of my past Savings Reports and view my interactive net worth chart

Go to How To Track Your Savings  to check out the Saving Ninja Super Spreadsheet.


So close.

If the stock market doesn’t crash before Christmas, December will be the month… The month where I complete the SavingNinja FIRE journey of reaching £300k and I begin venturing into uncharted territory.

I’m excited!

This has only happened due to the stock market blazing upward again, I’m unsure what’s going on to prompt another 3% gain, can someone let me know?

The Long Night

Winter has arrived in force here in Sweden, it’s currently -8°. Our winter tires are on, they’re required by law to be studded over the next few months, and the Swedish landscape is looking more like a frosted cake each day.

When we do leave Sweden, I’ll miss the very wintery winters, and the Swedish obsession with candles, coziness, and Christmas window decorations.

Heading Home for Christmas

We are hoping to travel back to the UK for Christmas and New Year, the flights are booked and as-of-yet not cancelled. The rising COVID cases across the globe are making me feel very anxious, but we’ve not seen family or the UK since we left for Sweden 1 and a half years ago; I feel like we need to take on a little risk to try and visit home.

If all goes to plan, the next Savings Report and End of Year Review posts will be written in the north of England and Edinburgh!

Fancy Shed

The shed project that I wrote about last month has now been finished. Mrs SavingNinja and I are in love with it.

We can’t wait to begin our next big construction project. Maybe it will be an American barn?

A New Thought Experiment

Do you remember Thought Experiments ? Questions to the FIRE blogging community where we’d all make a post on a certain topic.

It’s been a long time since the last one . Over a year!

It’s about time for another one. I’m unsure if we’ll have many participants as I’ve not been keeping up to date with new FIRE blogs, but I wanted to write this post anyway as I think it’s an interesting topic that delves into happiness and exploring lives that most people live.

If you’re interesting in joining this special Christmas Thought Experiment, head over to the landing page to read the question and participate. You’ll have a whole month to write your response and it will go live on the 1st of January.