Act as if what you do makes a difference.
IT DOES.
(William James)
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”
Money date
At the end of every month, I have a money date with myself reviewing the last financial month and planning the next one ahead.
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”
The couch table
This is our couch table. I bought it in a Swedish furniture store in 1997. It is bruised and battered, but because it lived with me through so long and has seen so much of my life I would never even had considered to exchange it. I even had the occasion where I took prideContinue reading “The couch table”
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”
Minimalist Gift Guide
Minimalist? Gift guide? Necessary. I have been living the downsized lifestyle and telling people for a couple of years now, and I still get presents. It does take a while to shift habits, giving presents has become engrained. So here is a little guide that might be useful if the occasion arises and it involvesContinue reading “Minimalist Gift Guide”
Saving goals
This is another back to basics post. Just as important as knowing your expenses and spending habits is being able to answer the question: Why do you want save up? Do you want to buy a car? Travel around the world? Have your dream wedding? A decent pension that allows you to keep your lifestyle?Continue reading “Saving goals”
How to train your savings muscle
Saving is a habit. And a muscle.Imagine anything you can do well. Play guitar, play football, do calligraphy, play video games, drive a car. The first time you did this you will have sucked. But the more you did it and trained, the better you got. That’s because your muscles learned the movements, how toContinue reading “How to train your savings muscle”
Minimalist beginnings
I downsized because I had too, roughly 5 years ago. Until then I lived in a cluttered flat with an even more cluttered basement cubicle and garage. I prepared to move to the UK, to London, where I (at most) could afford a little room in a flatshare. So, I had to get rid ofContinue reading “Minimalist beginnings”
How to do a expense overview
Taking it back to basics here, it is really beneficial for your (financial) wellbeing to know what you spend your money on. This way you know what you have to change, and where the biggest lever is to free up money for saving or paying off debts. Part 1 – Essentials These are essential billsContinue reading “How to do a expense overview”
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