Residual Waste Theory: Why Unallocated Money Destroys Your Peace

It is a peculiar kind of madness, isn’t it? The modern world tells us that “more” is the antidote to anxiety. We are led to believe that a surplus is a shield, and that having a little extra tucked away is the ultimate signal that we’ve finally “made it.” But for the optimisers among us—the … Read more

The Beautiful Failure: Why I Broke My ‘No-Touch’ Money Rule

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

First 100K: January Update – with a Surprise Conversation.

January has a funny reputation. It’s meant to be about fresh starts, bold resolutions, and dramatic personal reinventions — but in reality, it’s often quieter than that. The lights come down, the calendar stretches out, and life gently returns to its usual rhythm. This January felt less like a reset and more like a continuation. … Read more

Planned Failure Experiment | No Greggs for a Month [Part One]

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