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Author: Tortoise happy

A month of baby costs

A month of baby costs

It seems like I’m constantly spending money on my baby. He doesn’t have an excessive number of toys (until I started monitoring in mid-April, I’d bought him only two toys). I try to buy enough clothes but not too many. We haven’t been to that many baby groups (partly because he naps at the wrong times) and we try to go along to the free ones at the library. Even so, it feels as though he needs something almost every…

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3 Ethical Investment Options

3 Ethical Investment Options

Ethical investing isn’t as simple as it seems. But that doesn’t need to stop you from trying to do more good with your investment portfolio. Knowing your money could be working for good might be the nudge you need into investments if you’ve been to cautious to get started. (If that is you, you might find my beginners guide to investing helpful.) I’m going to share with you the investments that I am making. However, I’m not a financial advisor,…

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The minefield of ethical investing

The minefield of ethical investing

When I’m choosing how to invest funds in my Stocks and Shares ISA, I deliberate for a long time. I only choose mutual funds (collections of shares from a number of companies), and predominantly those that are managed passively and therefore have low fees, so it’s hard to go too far wrong. Although no one can accurately say what the stock market will do, I want to make the best decision I can. How hard is ethical investing? I’ve been…

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Investing for good

Investing for good

Last year, I set myself a target to invest £1000 more than the previous year in stocks and shares. Although I was shy by about £600, I did manage an extra £400. Not too bad when we had a baby to prepare for too! This year, my target is the same; invest £1,000 more than 2 years ago. It’s a tall order as I’m heading into my final 3 months of maternity leave, which is unpaid. However, I don’t just…

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Spending money on being green.

Spending money on being green.

Hello? Is anybody still there? I can’t blame you if you’re not. I’ve not written in a while. My fingers are now itching to type, even though my brain is fuzzy and can’t decide what to say. I guess I’ve thought about money a lot over the last 12 to 18 months. But that’s not new for me. I’ve thought about the environment a hell of a lot more than I used to. I’ve always been active in recycling and…

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Goodbye pennies. Hello baby!

Goodbye pennies. Hello baby!

This is a post I’m very, very, very excited to be writing! If you read this blog, or follow me on twitter, I’m sure this will come as a huge surprise as I’ve not dared make a peep about it online until my little bundle was safely here. I’ve spent all of 2018 so far growing a human, and last month we fell head over heels in love with our baby as we became parents for the first time! It…

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The case for buying cars on credit

The case for buying cars on credit

A few months ago, I wrote a case for saving money on the small stuff. It’s not always popular financial advice, and maybe it doesn’t make you a millionaire, especially if you’re saddled with lots of big expenses that you can’t do anything to reduce. That doesn’t mean it’s not worth doing. Today I wanted to share another view that isn’t always popular, by making a case for buying cars on credit. I’m sure you’ve read it all before; don’t…

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Money lessons that weren’t about money (P.S. My gran is awesome!)

Money lessons that weren’t about money (P.S. My gran is awesome!)

My gran is awesome. She has reached the amazing age of 93 today! As I was baking fairy cakes for her- using the same recipe that she taught me as a little girl- I couldn’t help but think of all the little life lessons she taught me. Lesson 1. How to bake fairy cakes  There is such simple joy in baking fairy cakes. You don’t need flashy, expensive ingredients. You don’t need hours of time. You can clear your mind,…

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Repaying our mortgage- luck, or judgement?

Repaying our mortgage- luck, or judgement?

It took us 5 years and 3 months to pay off our £103,000 mortgage. It’s not the quickest anyone has ever managed it, but by the vast majority of people’s standards, it’s pretty darn quick. (I still feel pretty staggered by it) It wasn’t super easy and there are lots of things we went without in order to make our dream a reality. That being said, we also had a fair amount of luck on our side too. I wanted…

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What race are we in, anyway?

What race are we in, anyway?

Slow and steady wins the race. That’s the mantra I’ve had since starting this site. It’s the idea that I know big results take time and patience. That making gradual but continual progress will get me to where I want to be. The question is, where do I want to be? Am I heading in the right direction? My journey There were 4 aspects about my journey that were important to me when I started to write; being generous, being…

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