All posts filed under living expenses

What Financial Advice Would I Give My 20-Year-Old Self?

It is so easy to pass judgment or have regrets about the past. We are all well-trained at dissecting our past mistakes and decisions, and I used to excel at that type of self-criticism. But I don’t want this post to sound like I’m bashing myself for my past mistakes and unconscious, uneducated choices because I’m not. The time when I felt guilty about my …

Things I’m Not Buying in 2024 to Boost My Investments and Heal My Budget

2023 was financially challenging for a lot of us. Budgets, savings, and at times even investments (depending on what you invested in) took a hit with new heights of the persistent and stubborn inflation rates globally. Despite the inflation kind of stabilising in the UK in the last couple of months of 2023, British prices have obviously not gone back to the pre-inflation times. By …

Practical Tips to Keep Your Spending in Check Before the Christmas Gift Craziness Begins

The Christmas Holiday period is already upon us. I noticed that many shops opted out of Halloween this year and focused their energy and efforts on Christmas sales instead. For many years the consumer trend was to splash on Christmas gifts and Christmas Holidays get aways. The corporate messaging, we have been exposed to for generations always implied that the bigger the gift, the more …

Budgeting, Spending and Investments in Time of Inflation

Budgeting & Spending I have been trying to control our family budget since the beginning of the year (2022). The prices are going up with lightning speed and my family’s needs are also changing and increasing. Like everyone else, we are paying more for gas and electricity. To save on heating in the coming winter, I got myself a thermal top on sale, which I’m …

An Eye-Opener to London’s Overpricing

I really got into the Financial Independence movement during the first lockdown in March 2020. (I knew that FIRE was a “thing” long before I immersed myself into it but I never thought I could do it.) My newborn, baby M., was small enough to spend most of her time in my arms sleeping, and while she was asleep, I was binge reading blogs and …

The Non-Essentials Can Inflate Your Living Expenses

Recently I’ve been thinking about the non-essential things that we buy but don’t really need; the possessions that don’t add much value to our daily life or to our level of happiness. Everyone will have a different list and definition of the non-essentials at different stages of their lives. When I was single, I used to spend a lot of money on going out, partying …