Money Challange

Overpay My Mortgage: Reader Tip Jar (Your Clever Ideas Wanted!)

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The countdown has officially begun. On 28 August, I’ll make my very first mortgage overpayment. It’s a strange mix of excitement and nerves — kind of like signing up for a marathon, but with less sweat and more spreadsheets. I’ve been thinking about this move for over a year, mostly because my partner went all-in … Read more

Money Challenge: Round-Up – How I Save Hundreds Just by Buying Crisps

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The Round-Up Trick That Quietly Chips Away at My Mortgage There I was, standing in the checkout queue with a packet of crisps and a coffee, tapping my Monzo card like any other day. But this time, instead of just spending, I was quietly saving. A little ka-ching moment pinged in my mind, knowing I’d … Read more