Each month or quarter, I am inundated by offers for services by my bank, other competing banks, insurance companies, etc.. When our house insurance came up for renewal this month, the insurance company wanted more than 100 pounds more than they did the year before. I found a much more competitive introductory offer by our … Continue reading Saving £100 on home insurance but saying no to 0%-balance transfers. Why is it different?
In the last two months, three things happened: I finally got the elusive permanent academic contract We saw a 3 bedroom, 2 bathroom cottage house in a quaint country village that we both love and want to buy and can afford We spent a couple of days in London, ate delicious Japanese food, and decided … Continue reading My big (40th) bday present to myself — Me
Hello from Canada! We are in the middle of a fam-cation. One of the things about living far away from our parents is that most of our vacations turn into visiting the fam-cations. Sitting in my parents’ basement allowed me to spend some time doing something that I have been meaning to do: put together … Continue reading Budget Tracking with my Bullet Journal
We love cheap flights in Europe. But cheap flights come with all these extra payments and the new Ryanair is making it even more expensive to have baggage. For example, as of January customers on Ryanair have to pay an additional 7 pounds to bring cary-on luggage. Upon paying this additional 7 pounds, I can … Continue reading Minimal Business Travel: The 2 week cheap flight Italian edition
So the last few weeks, I have been in said semi-undisclosed country for work and now, I am back in the U.K. Funny thing that happened, I forgot my PIN number for my debit card in said country, so I wasn’t able to take out any cash other than on my UK credit card, which … Continue reading Can not using cash mean smarter savings?
The very first month I tried to increase our savings, I failed. Only one week in, I freaked out about the growing overdraft in one of our bank accounts and the pending cash I would have to transfer out of it for business expenses. As a result, I took the 20% of our monthly income … Continue reading The first-month savings failure
After reading one of Frugalwood’s case study, where the couple made less money than we did and yet, managed to save a lot more than we did, I decided to implement a drastic (for us) austerity plan of saving 20% of our income this month and implementing a Sabbath round up (explained below). We also … Continue reading Saving more than you think you can – The Sabbath Round-up and monthly austerity cycles