Mortgage free in 3 years

In September of this year I took on a huge responsibility by smashing every middle aged journalist’s point of view. I did this by working hard, being entitled, being a politically correct snowflake, eating a shit tonne of smashed avocado on toast and still managing to get on the property ladder before 25.

I bought a house! I also killed the diamond/ golf/ breakfast cereal industry so it’s been a busy millennial year!

Continue reading “Mortgage free in 3 years”

We Bought a House!

Three years ago I fell down the terrifying rabbit hole of personal finance bloggers. Reading blogs became like a second job to me, I’d rack up on average about 5 hours a day reading them, taking notes and coming up with my own plan for FI.

This month, Different-P and I made the first big step in that plan and as you know by the title we bought a mother fucking house! First step on the ladder here we are. We’ve been saving for years to get here and now that we’re here I’m sure you’ll hear a lot from me about what the whole process was like, what to expect etc.

At the minute, I have at least 5 posts planned and I can’t wait for you all to start reading them! None of them talk about giving up avocado on toast, joining an MLM scheme or taking on a second job to get here. Although those methods work for other people they were not for me. I focussed on getting my basic living expenses as low as practically possible and prioritising the luxuries that benefit my life as a whole *cough* avocado on toast.

I’ve outlined what I did in a few posts before including:

Free ways to entertain yourself and grow at the same time

What it’s like to live in a HMO

7 Things I do that save me money

Living on £10,000 a year in the UK

These are some of many things that got us to where we are with our money mentality and as a result- our savings goals! I want to share this with you so that you know that reducing your spending is worth it to help reach your goals, you can live minimally while you’re young and help set up a future that will support you through hard times.

Good luck all! We millennials WILL get our houses with roofs that can keep the rain away from our precious snowflake heads!

Side Hustles Aren’t Everything.

I’ve been a part of the personal finance community for a couple of years now as a reader and a few months as an avid contributor. I’ve seen, tried and tested a lot of paths to financial health.

I’ve watched dozens of videos and even more blog posts telling me how to save money the right way. Almost all of them include having a second job. “Side hustle your way to a six figure income”, “hustle yourself out of debt”, “Pay off debt with your side income” etc. and it’s made out to be an essential part of any frugality journey or debt repayment journey.

The thing is, not everyone CAN side hustle! Moreover, not everyone stands to gain from it!

I felt a lot of pressure for years to side hustle in order to be able to be a real frugal person and like I wasn’t taking FI seriously if I didn’t hustle on le side. I felt this pressure on top of the pressure not to buy things, budgetting, automating all of my savings, having a great social life, a perfect relationship and a ball busting job with irregular shifts. I struggled to see my friends and family enough let alone work another 15 hours!

This little someone needs a lot of love and attention from her mama!

Not everyone works a regular 9-5 job that has regular hours or even regular days of the week worked. It’s something that frequently goes unacknowledged in this section of the video or blog post. That not everyone is employable a second time around. I have worked 12 hour shifts, standby, night shifts and a combination of all at once meaning that no employer is willing to hire me and even if they did, I’d rarely be able to work the shifts they require.

Everyone’s circumstances are different and if you can’t find a way to make a second income that fits your lifestyle then you’re still a frugal king or queen and you’re still able to reach Financial Independence. You don’t need to give up your dreams of telling your boss you’re outie or or sailing around the world, it’s still coming to you. Being frugal is still an incredibly effective way of reaching financial independence, second only to inheriting millions.

If you can’t get out of debt because your current wages are too low I suggest trying a different approach and looking for a promotion either in the company that you currently work or another company who will pay you fairly for the hard work you put in every day! Get yourself some good benefits and the respect you deserve!

Go get ’em tiger.

Saving money on your water bill

After a few disastrous weeks of moorland fires, little rain and potentially a few sun burns, water companies are asking us to be more careful with our water usage. This isn’t necessarily a bad thing as we all know how essential water is to our everyday life and being more responsible with our water- just like we are with our money- can only set us up for good things in the future!

Only 1% of the world’s water is actually suitable for human consumption. On average, people in the UK use a whopping 150 litres of water per person per day of this precious liquid and making some modifications can help us all to be a little more mindful about our water usage.

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Things I Don’t Buy in Order to Save Money.

It has taken me SO LONG to write this post, I’ve been mulling it over at my desk in work, in the car ride home and even in my dreams. It’s such a big post to tackle because there are SO MANY things a frugal person doesn’t buy in order to save money. That’s one of the main pre-requisites to being frugal after all. So how to tackle such a big topic without giving you a big list of all the things I thought of buying this year and then eventually didn’t. Continue reading “Things I Don’t Buy in Order to Save Money.”

Free ways to entertain yourself and grow at the same time.

At 5 foot something you should know that I don’t mean “grow” in the literal and physical sense because I have not figured out how to make that happen yet, if I had I’d be financially independent already. With that being said, this post won’t disappoint because it will help you grow your inner self instead, expanding your mind, your self-control, self-confidence and abilities. You know, the real ways that count… or so I tell myself. Continue reading “Free ways to entertain yourself and grow at the same time.”

Is living in a HMO worth it?

In my journey towards buying a house and financial independence I’ve made a few lifestyle changes in order to save massive amounts of money One of these has been to share my living space with an array of strangers with varying degrees of manners and personal hygiene. The nice way of putting this is that I’ve lived in Houses of Multiple Occupancy. In a way I’ve lived in a HMO my whole life because I’ve always shared a house with family when I lived at my parents home or friends when I moved out, so it can’t be that different… Can it? Continue reading “Is living in a HMO worth it?”