Summary This month’s spending is a little different because the balance for our Africa trip was due. As you can see, this meant we shelled out over £6,000 on this alone! We’ll go into more detail on this below. Ignoring these payments for a moment we actually had a fairly normal month, spending £1,942. We …
The Skill of Life Design
‘Life Design’ is something we’ve mentioned in a few posts now. But what do we mean? Since we started this journey, we have hugely improved our lives in a lot of different areas. This hasn’t happened by luck. It has been a process of research, planning and execution. As we like to say, we have learnt to CHALLENGE EVERYTHING! …
Productivity Systems
The biggest barrier to productivity is finding the motivation to get started. Motivation can often be hard to come by in a modern world, full of distractions. This is particularly relevant to those of us still working full time. Juggling hobbies, alongside a full time career, can make it seem almost impossible to keep on top of the most simple of …
Bodyweight Fitness
As Miss Way mentioned in Frugal Fitness, bodyweight fitness (BWF) is a form of strength training. I wanted to create this separate post to give you a bit more detail on BWF, because I love it so much! So What Actually Is Bodyweight Fitness?! Essentially, BWF involves using your own bodyweight to perform resistance training. This type of training can accommodate anyone – from absolute beginners …
Why We Keep Our Finances Separate
Society Expects This is another one of those aspects of life where we have challenged the ‘norms’ of society. We decided to forge our own way of doing things by keeping our finances separate. The accepted norm for couples is to merge finances, particularly when you own a house together as we do. In our …
Monthly Spending – April 2019
In March we produced our first ever monthly spending report. Here is our second! Despite going away this month we have managed to stay very close to our March spending amount. We’re really happy with this and hope we can keep up the £2000 per month average! We break our main expenses down into broad …
What a Difference the Sun Makes
Ode to Sunshine S.A.D vanisher Negativity banisher Energy creator and motivation shaker Reinvigorates smiles and unused miles Of muscles that wake as you shine The slate is wiped clean As faces beam at rays that rain down from the Blue, cloudless sky, bringing twinkles to eyes As collectively spirits are raised! Miss Way A Way to Southern Portugal! We are writing this article while in Southern Portugal with family. …
In Defence of the 4% Rule
What is the 4% Rule? The 4% rule was created based on historical market returns data. Simply put, it showed that a typical retiree could withdraw 4% of their portfolio while keeping the initial pot intact. The withdrawn amount would increase by inflation each year. The rule came about from work by Bengen and later, …
Thought Experiment 5
What Will I Do When I Retire? This is the first time we've participated in one of SavingNinja's Thought Experiment posts so we'll add a little explanation. This is an idea to get bloggers to immediately respond to a question and all post their answers on their blogs. You have to write the first thing …
Frugal Fitness
We Love Exercising! Staying physically fit is something that is important to both of us. It fits really well with those who are seeking financial independence. If you aren’t at your physical best, you won’t be able to enjoy the retirement you work so hard for! As mentioned in A Way to Less....... Spending! we …