I was supposed to be a monk. A financial, spreadsheet-wielding monk who had reached a state of “set and forget” nirvana. Back in December, I made a public vow: no changes to my financial system until April. I called it my “no-touch” plan. The goal was to stop the constant tweaking, the obsessive mortgage overpayments, … Read more
When people hear “concrete home,” they tend to imagine a monolithic, joyless block that looks more like a car park than somewhere you’d want to sip your morning coffee. And yes, that’s exactly what we bought. I like to call it a “concrete monstrosity”; my partner calls it a car park. Walk past it too … Read more
This is not a redemption arc.It’s not a “new me” announcement.And it’s definitely not a wellness glow-up disguised as a spreadsheet. This is Part One of a planned failure. I’m running an experiment where I don’t eat Greggs for a month. No sausage rolls. No “just this once.” No standing at the counter pretending I’m … Read more
There’s something quietly magical about this time of year. The days are slowly stretching out again, the pale pink of winter sunrises brushes the sky, and the crisp blue overhead feels almost like a fresh canvas. It’s the sort of morning that nudges you to pause, breathe, and think about the year ahead — not … Read more
I’ve been in financial spirals before — the kind where every morning starts with, “What can I tweak today?” You know the type: constantly running numbers, overpaying here, reallocating there, trying to shave pennies from one category to funnel them into another, thinking every small move is the key to perfection. For me, the spiral … Read more
