My brother has just been made redundant and asked for a pension statement as he can legally take his pension now (albeit at a reduced rate). A basic 2 […]
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SIPP vs ISA
In the near future we may well have some free cash to re-invest. Been mulling over the two possibilities of putting into an ISA or into a SIPP, specifically, […]
Read more2019 Budget Update – review of what happened
There are quite a few bloggers who talk budgets, give running commentaries monthly on spend down to the penny, glory in their side hustles and how then can use that […]
Read moreLists …. Buckets of Thoughts
Earlier last year I took a first look at my thoughts on Bucket Lists. I kind of concluded that really Bucket Lists are part of a plan for life (or […]
Read moreThe Hidden Excess Cost of Christmas
One of my favourite Christmas’s was 5 years ago on a beach in Mauritius So now you all think this is about a holiday … read on … As […]
Read moreCash Reserve – do we need a Thimble or Bucket ? Is it a Necessity or Comfort Blanket ?
In October I started the transition to drawing out of my pension funds. I am only taking the minimums to avoid taxation this financial year (to March 2020) and then […]
Read moreA FiRE approach to a new Mobile Phone
In quite a lot of ‘FIRE’ blogs and articles there is a general theme, not of frugality, but of taking the time to actually consider the cost and value of […]
Read moreAdvantage of not Paying my Mortgage off
I just looked at modifying an initial SWR based on taking mortgage into account and concluded that paying it off was probably the best thing. Fundamentally, my mortgage rate is […]
Read moreSafe Withdrawal Rate – but what does it mean for a fund size ?
There has been a lot written on Safe Withdrawal Rates already. I read a book by Abraham Okusanya called “Beyond the 4% Rule” (ISBN: 978-1985721647). Most interesting. Then there is […]
Read moreWhy the Cost of my car is now FiRe !
My car is only 6/7 years old but over in the UK anything diesel (boooohhhh) is deemed pointed at by Greta and the climate change lobby, so is essentially worthless. […]
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