Back in 2013: My First Proper Job Fresh out of university in 2012, I stumbled into my first proper job at the Money Shop in early 2013. It was the start of adult life in all its awkward, slightly terrifying glory: uniformed shirts, black slacks, and two trips across the city each day, there and … Read more
It’s funny how the smallest, simplest things can bring the most unexpected joy. For me, that thing is my microwaveable rice cooker. Yes, it’s literally just a plastic container with a clever lid, and yes, I realise how odd it sounds to be this excited about a piece of plastic. But this little contraption has … Read more
Impulse buys. Quick lunch grabs. Those little moments when your stomach rules your wallet.I’d been caught in a cycle: Tesco meal deals, bakery treats, anything that was warm, cheap, and conveniently packaged. They tasted fine, but my wallet felt lighter and my health… less so. Enter the 10 Minute Rule — a tiny pause that … Read more
Let’s talk about the thrilling world of percentages — said no one ever.Except maybe people in the financial independence crowd, who can and will turn a cup of tea and a spreadsheet into a surprisingly joyful afternoon. The Safe Withdrawal Rate (SWR) is one of those oddly satisfying ideas that takes something big — “how … Read more
The Magic of Section 75 There’s a quiet kind of confidence that comes from knowing your money is protected — not by luck, but by law.If you’ve ever hovered over the Pay Now button for a big purchase — a car, a laptop, a dream holiday — and felt that small “gulp” in your throat, … Read more
