When a No-Touch Plan Meets a Better Idea

There’s a special kind of chaos that happens when a perfectly reasonable financial plan collides with a shiny new idea.A small twitch.A gentle itch.A whispering voice saying, “But what if…?” This was the beginning of my latest Financial Fail — or, depending on how charitable we’re being — my latest quietly sensible upgrade. I had … Read more

How To Stick To A Financial Plan: Ultimate Financial Challenge

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

My Unique 10 Minute Rule – Saving Money and Eating Well

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

First 100K: October Update – I Lost My Card

October arrived like clockwork — steady, predictable, and somehow quietly satisfying. There was a rhythm to our weeks that almost felt like a private lullaby: nursery runs, workdays, a couple of extra hours of rest on the weekends, park strolls to look at dogs, and visits with friends and family. My partner and I weren’t … Read more