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 →

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 →

We recently celebrated one 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, so let’s talk about reusable items. 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 optimization and environment, but the truth is, we also saved some money. Let’s do the math together. Reusable items – how much you can saveRead 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 →

In this post, I’ll share with you the usual offenders when it comes to items we overspend on. But let me start with a little exercise. Do I buy it or not? A quick tip to help you decide. For quite a while now I changed my way of shopping completely. Actually, the way I look at prices. How do we pay for stuff? With money. How do we get the money? By working – around 8 hours a day, from 9 to 5, Monday to Friday. We’re almost never home during the week, and we spend the weekend cleaning, cooking and organizing. So whenRead More →

A while ago I started a Money Series on the blog, and if you read the blog post and tried to budget for a month, you have successfully finished Step 0 – Now you know what you’re spending money on. If you didn’t, you could start now as the month has just begun. Step 1 is one of the most important and life-changing ones. The Emergency Fund. It’s usually a sum between 1000$ and 1500$ (it’s the average amount that could cover almost any type of standard emergency), but depending on your currency you might just settle for something else. For us, it was 5300 RON.Read More →

Welcome to a new series on the blog. I created it to share with you all the experience, tips, and lessons we learned in the past few years regarding money and budgeting. And if you like the post, take a look at my e-book here – it’s an encyclopedia of money-saving tips. Our money story When Alin and I met, we were both in a terrible financial situation. I think we made it even worse after we started dating. Both of us had an overdraft attached to our debit cards, and he was still paying for his car. We were in debt, and we consideredRead More →