James McBrearty

James McBrearty started his own business from scratch in 2006, to help the self-employed. He helps people to escape from the corporate world and shares his thoughts here on the changing world of work, technology and personal finances; as well as the occasional travel post. Over the next 10 years things are going to change significantly. James is a follower of frugality and minimalism; and an advocate of F.I.R.E. to minimise the coming disruption.

Author Archives: James McBrearty

Don’t fall victim to the sirens of easy finance

In Greek mythology the Sirens lured nearby sailors with their enchanting music and voices to shipwreck on the rocky coast of their island. It’s the same with credit and finance – if you are not careful you could find that your financial ship is heading towards disaster on the rocks. This is something I have talked about several… Read More »

The crazy cost of long haul business class flights

Perhaps there is somewhere that interests you, somewhere that you may have thought about visiting someday? If it is a long distance away from your home country then there are several decisions to be made regarding travel, that will help you narrow down the choices and then come to a conclusion regarding the cost and whether it is… Read More »

Cars and the 50-3 guideline

As a very rough guide, cars generally depreciate by 50% over 3 years. Whether this depreciation is a reduction on the amount you paid initially for the car outright(preferable) or through the monthly charge for leasing or PCP, it is still an amount that has to be paid. For example: New small family car – £18,000 After 3… Read More »

When the tide goes out…

“When the tide goes out, then we will see who has been swimming naked” is my favourite Warren Buffett quote. Let’s look at two people, Bob and Billy, who want the same things: – the latest fruit smartphone £700 – a flash watch £1,000 – a sporty new car £19,000 (for example a Ford Fiesta ST) – a… Read More »

Beware of ‘saving’ money by spending it

If you buy something with a retail price of £500 for £300, have you saved £200? Or actually just spent £300 that you weren’t planning to? When making purchases it is important to consider three points: 1) Is the retail price genuine? If you have been considering a purchase for some time then you will know what the… Read More »