About me, Finances

Financial update: November 2019

The backdrop for the last month (and more) has been Political - from the largest university strike in the UK over pension, pay, work conditions and contracts straight into the cacophony of the UK general election - there's been no escaping it. The driving force behind both perhaps the capitalistic machine churning away, and the… Continue reading Financial update: November 2019

Finances, Index trackers, Investment strategy

Financial update: September 2019

I started this update stood at the bus stop on a sunny crisp morning wondering where the month went... To a lot of work I guess...a lot of life energy...making Jill a dull girl, no doubt! But it does mean not spending too much. 🙂 Except vending machines at work. Guilty on that count! That… Continue reading Financial update: September 2019

About me, Finances, Goals

Financial update: August 2019

This month: Big savings rate boost, bond fund purchase, and closing in on my ISA limit. Hm, there’s been an unusual amount of positive movement in my financial situation given that nothing has changed with work! Most of it admittedly will take effect in next month's pay, but you know, I'm too excited (you know,… Continue reading Financial update: August 2019

Finances, Financial planning, pensions

What exactly is inflation and how to beat it

Have you ever wondered how accurately inflation is measured but never really cared to look it up? Should financial plans for early retirement (FIRE) assume a 2.5% rate of inflation, as I’d done ? Here, I explore what the UK inflation rate is, what it means to FI plans, and ways in which we can… Continue reading What exactly is inflation and how to beat it

About me, Finances, Goal setting, Midlife gap year, Personal development

The Journey So Far: Reflections & revelations

So, 3 weeks into blogging now…. And I’m really enjoying it! I’m grateful to all who stop by (that’s you!) and those who take a peruse around. It's starting to look like a blog now and not a few 'articles' that may fizzle out any moment. I’ve had my first non-promotive-type subscribers and comments. So,… Continue reading The Journey So Far: Reflections & revelations

Early retirement, Finances

What’s your savings rate and are you getting it right?

The savings rate is lauded as one of the most crucial bits of information in the FI armoury, and I can see why. Simply put, this is the proportion of your take-home pay that you save or invest potentially towards FIRE (financial independence / early retirement). In fact, I estimated my savings rate when I… Continue reading What’s your savings rate and are you getting it right?

Finances, Frugal living, parenting

Motherhood and FI: Family, finance and frugality

Does it add up? Most female financial independence (FI) bloggers I've noticed are single without children (just the UK?). Yet, there are many father bloggers. Lots of FIers are couples, some with kids, though many who blog about FI are male. So, the pool of female FI bloggers is smaller to start with. Then, there's… Continue reading Motherhood and FI: Family, finance and frugality

Finances, Index trackers, Investment strategy

The FTSE and S&P nosedive!

The last five days of the FTSE all share* (and other indices) have been notably downward, wiping out any initial gains I'd made since buying my trackers last month. The index is also down from a year ago (scroll down to the second chart) though still up from a low over the last year in late… Continue reading The FTSE and S&P nosedive!