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 save £25k until March 2019 and even though September was difficult, we managed to stay on track and we achieved our saving goals in both August and September. The next 2 months should be chill, everything is settling andRead 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! If 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, break might be aRead 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 normal, so we wouldn’t want to purchase a home here. Ideally, we would find a cheap home 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 like growing roots. 4 years is enough. From a financial point of view, having aRead 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’s 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 Quidco willRead More →

My weight goes up 3-5 pounds every 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 3 things that for me are a sure thing when it comes to gaining 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 about is food. I lie to myself and sayRead More →

Ohh, it’s almost September. Hello, Autumn, I missed you. But before getting excited about everything that’s coming up, let’s see how August went. It was the first month of our 18 months to £25k journey. At the beginning of the month we really didn’t know what to expect. We blindly set the goal of £1389 a month and just hoped for the best. Read on to see if we made it. We focused on 3 big things this month: food, transportation and monthly subscriptions. 1. Food First of all, we set a weekly budget of £40 plus a monthly online shop of £50 (for aRead More →

We recently celebrated 1 year of minimalism and in the anniversary post I mentioned what we purchased in the last 12 months. But there’s also a lot of stuff that we didn’t buy. When we were still in the decluttering and minimising phase, we tried to switch everything we can to a reusable option. I wrote a blog post about all the new habits we were trying out, but the emphasis was on space optimisation and environment, but truth is, we also saved some money. While I’m writing this, I have no idea how much, but let’s do the math together. Kitchen paper towels I wouldRead More →

If you’re not among the few lucky people that get to work from home on a regular basis, it means you have to spend a reasonable amount of time commuting. The average commute for a Londoner is 45 minutes to 1h one way, but there are many people (like us) who decide that their living standards are more important than the distance to the workplace and live much further away. I spend 3 hours commuting on every day I go to London, so doing something useful with those 3 hours is pretty important. Otherwise they just go to waste. When we were living in London,Read More →

We set ourselves the big goal of saving 25000 pounds by March 2019. We have weekly and monthly goals and in this post I'm listing all the tools I'm using to save money in August.

A few years ago we changed our relationship with money to be able to get rid of debt and enjoy a money-stress-free life. Going through Dave Ramsey’s 7 steps, we created an emergency budget, then got debt free and eventually built up the emergency fund to accommodate 6 months of expenses in case one or both of us would lose their income. We’re strong believers in keeping a budget and I have a few blog posts that explain how to create and use a budget, why it’s important to have an emergency fund and things you shouldn’t spend that much money on. But things gotRead More →

I remember August 2016 very well. In just a few weeks I experienced all possible feelings – anger, frustration, depression, exhaustion, and then freedom, relaxation, happiness and tranquillity. That’s what decluttering does to you. I was tired and took some personal time from work with the sole purpose of resting. So I was home, just hanging around and one day I got very frustrated that we had a pile of clothes on the exercise bike. I looked around and there were so many things. And the more I looked, the more things appeared. And so it started. It took us about a month to declutterRead More →