Countdown to Christmas

Let’s talk about Christmas (or other year end celebrations you do in your family) . I know what you’re thinking: Christmas???? We’re in August, I am still deciding whether I should go on a holiday… But it’s coming, in only 4 month from now. A few numbers from Christmas 2019*: In the UK, each person spentContinue reading “Countdown to Christmas”

Minimalism explained in 6 Minutes

What comes to your mind when you think about Minimalism?Have you ever thought about the stuff that is in your life? I am a minimalist. I wasn’t all the time, in fact, I was rather a maximalist before. I was sad, I shopped. I was successful, I shopped (reward, right?). I was in company, IContinue reading “Minimalism explained in 6 Minutes”

10 top tips to travel lightly

This year isn’t a travel year, but some might make it out or around in the country anyway.  We will go see my parents in Berlin this week and this is a good opportunity to give a few tips on how to travel stress-free and light. 6 years ago I would have easily packed 21kgContinue reading “10 top tips to travel lightly”

8 ways to improve your credit score

A couple of weeks ago I wrote about the 3 elements (credit score, affordability, deposit) that will influence your financial credibility and increase the success of a mortgage application. Read the whole post here. In this post we will look a bit more into things that you can do to increase your credit score. WhichContinue reading “8 ways to improve your credit score”

Mortgage overpayments explained

A lot of people pay their mortgage like a bill: Something you have to do and you don’t think twice about it. Many contracts allow you to overpay on your mortgage, which means you make extra payments outside the monthly repayment. In this post I explain why it makes sense to overpay. Banks do notContinue reading “Mortgage overpayments explained”

Financial wellbeing

Financial wellbeing means you are confident and at ease with your personal finances. You understand your day to day finances, know how to manage them and can plan ahead for the future. Why is it important to talk about this? Many of us don’t look after our financial wellbeing (I didn’t for long years). MoneyContinue reading “Financial wellbeing”

9 myths about saving money

We heard lot of falsehoods and tell ourselves a lot of untrue things about saving up money and why we can’t do it just now. Time to address a few common myths and set it right. MYTH 1: I shouldn’t save too much, I got to live now.Don’t save up for the joy of saving.Continue reading “9 myths about saving money”

Emergency Funds

I am a big fan of having emergency funds (or savings for a rainy day). You will sleep so much better! The FCA* states that 1 in 10 adults have no savings and a BBC survey revealed that half of twenty- somethings have no savings. Emergency funds is a savings pot reserved for life’s emergencies:Continue reading “Emergency Funds”