Category Archives: Finances

A few small tweaks to your finances can bring great results. I cover how to maximise your limited money resource, to avoid overspending without useful extra benefits.

Using a credit card for emergencies…

There are three areas where you might initially think about using a credit card instead of a debit card. However I’ll show you that there are in fact other options available to you: 1) Hiring a car – many companies require you to have a valid credit card. One possibility though is to sign up for the company… Read More »

Frugality and minimalism aren’t deprivation

A common misconception is that those who follow frugality and minimalism are somehow depriving themselves. As I discussed in ‘what is minimalism‘, there are no minimalism/frugality rules that you must adhere to – it’s different for everyone as they will have their own interpretation. Just as retirement doesn’t mean not working ever again. It is not that you… Read More »

How to minimise your motoring costs

Of course, the absolute best way is by not having any – eliminating unnecessary journeys and instead utilising taxis, public transport and feet. But, should you have need of a vehicle then I’ll cover three common possibilities to see what costs you the least amount. For the purposes of this, we’ll take the costs over 6 years as… Read More »

Everyone is a millionaire! (sort of)

The average UK earnings figure is £28,000 and the average working life 40 years… so the average person will see £1,120,000 of earnings in a ‘normal’ working life. With over a million pounds passing through your hands, before tax, it’s important to decide where it will go(rather than wonder where it went.) One great person to follow is… Read More »

Success takes hard work. Lots of it.

Success for the self-employed requires an investment: short-term sacrifice in return for long-term gain. Those sacrifices can take many forms: perhaps working 80 hours a week, driving an £800 car, or even delaying starting a family. In return for those sacrifices you rightly receive the rewards. Sadly, there are those who would criticise or even attack you for… Read More »