Registration for No Spend November is closed. Stay tuned for our next challenge. Want to start right away? Everything I teach in the challenge and much more is in my e-book, The Smart Girl’s Journey to Financial Bliss.  Alin and I started budgeting and taking our finances seriously about 5 years ago. I can’t claim that I know everything there is to know on the topic, but I got pretty damn good at it. We have no debt and we’re able to have some luxurious experiences once in a while because we still live well below our means. We are currently on a journey to saveRead More →

The second month of our savings challenge is gone. If all of them pass by so quickly, we won’t even notice when it’s March 2019, and we need to draw the line! In case you’re new here, we decided to set ourselves the goal of saving £25000 by March ’19, which means around £1390 every month. If you think that’s a lot, you’re not the only one! If you want to know how we did in August, here’s the blog post. September was a concern because it had one big challenge – we went on a 4-day break in Stockholm. Well, a break might beRead More →

Remember my rules of running better races and mistakes I no longer make? Well, I made two of those in beautiful Stockholm :). Finish time: 1h 21m 42sec Elevation First, it was the course elevation profile. For some reason, my early research on Strava about the Stockholm Half Marathon only revealed about 70m of elevation overall. I still don’t understand how can the same course ran at the same time can show such different elevation results? 70m was nothing, so I viewed this race as an easy one. No longer felt easy when I read the official race leaflets which revealed no less than 370mRead More →

Expenses we refuse to have A mortgage At the moment, owning a house is almost impossible for us financially. The prices in the UK are way above what any human being would consider reasonable, so we wouldn’t want to purchase a home here. Ideally, we would find a cheap house in another country that we could buy with cash, but we’re not there yet. A house would also mean that we can’t move anymore. We like exploring different places, living there for a while, but then move on. I don’t want growing roots. Four years is enough. From a financial point of view, having aRead More →

As a minimalist, I’m committed to only making purchases when I really need them and not when there are clearances, or the products look nice or when a new version is out for sale. But it hasn’t always been like this. A tale of two pairs Back in 2015, both myself and Andreea started to train with our buddies at the Marathon Store in Bishopsgate. They had a running club there sponsored by adidas. One of the nicest offerings was the fact that they were giving free running trainers to try during group runs. The trainers were top of line adidas Ultra Boost and IRead More →

It’s our second month of the saving £25k in 18 months journey. August went well, but it’s a constant effort. Every day we do some more research, we hunt offers and plan our spending carefully. We started using a few cashback apps and websites, and these are our favourites. Quidco How it works: Before shopping online on your favourite retailers’ websites, you check Quidco to see if there are any offers available (e.g. 2% cashback). When you find something suitable for you, you proceed to the retailer’s website, but through Quidco so they can track your purchase. You do your shopping as usual, and QuidcoRead More →

My weight goes up 3-5 pounds now and then depending on many factors – life changes like moving home, how stressed I am, injury or illness that prevents me from exercising or how well I sleep. But there are three things that for me are a sure thing when it comes to gaining weight. The top 3 things that make me put on weight 1. Boredom This is not much of a problem if I’m at home, there is always something to do. But if I’m at work and for some reason I don’t have an immediate task at hand, the first thing I think aboutRead More →