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Author: Tortoise happy

The case for cutting the small expenses

The case for cutting the small expenses

If you want to spend less, you can cut big expenses or small expenses. Or you can cut a combination of both. It doesn’t take a genius to figure out that cutting big expenses will save more. But that’s not to say you shouldn’t worry about the small expenses. When you’re stuck with big expenses There are some big expenses that we can choose to go without, or that we can reduce. Obvious examples are holidays and luxury vehicles. You…

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They’re probably doing it with debt

They’re probably doing it with debt

Have you ever looked at someone’s life and wondered how they’re doing it? How they’re affording nice cars, days out, designer clothes and overseas holidays? Perfectly curated Instagram feeds and glamorous Facebook statuses mean everyone has more people to keep up with. It’s difficult to see how people are affording lavish lifestyles but easy wonder how people afford a seemingly constant stream of expensive things. Behind the scenes Firstly, it’s easy to show what you want to show on social…

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Socking more into stocks and shares

Socking more into stocks and shares

They say that time flies when you’re having fun, and I can hardly believe that this is my fifth tax year of investing in a Stocks and Shares ISA! It’s fair to say that I felt nervous about investing in stocks, and as though I didn’t know enough. I knew I had to take the plunge whilst I was young enough to bounce back from any silly decisions, and had time to learn. My investing style To refer to ‘my…

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Breaking news: Frugality is not a competition

Breaking news: Frugality is not a competition

You could be forgiven for thinking extreme frugality was going to be a sport in last year’s winter Olympics. There are lots of degrees of frugality, and it takes a lot to win. Except its not a competition. I’d write about frugality more- I’m pro living below your means- except its a difficult subject to write about without appearing to be a sanctimonious know-it-all. I also know that being frugal is easier if: You have enough money for it to…

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Nudging your finances

Nudging your finances

When you start taking control of your finances, at whatever point that is/was for you, there’s a lot of big things you can do. The first time you switch gas supplier? Kerching! Shopping around for insurances? Kerching! Cancelling subscription services? Well, you get the picture. Once you’ve gone through your finances with a fine toothcomb three times, it can feel frustrating not to be able to do more. This has especially been the case for me, after a lavish trip…

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Looking after your finances. And our planet

Looking after your finances. And our planet

Making positive environmental choices doesn’t have to cost you money, and there are lots of things that actually save you money. Who doesn’t love a win win situation? After watching the extent to which we are killing our oceans and marine life in Blue Planet 2, I have a renewed energy* for making more changes that help protect our planet and I know from various news stories and twitter chatter, I’m not the only one. I may have no power…

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The small, big wins

The small, big wins

You don’t have to look far to find some pretty incredible achievements, be it paying off thousands in debt in a few short years, amassing a million pounds plus in investments or retiring (years and years!) before hitting 40. And they’re just financial achievements. Naturally, these are the kinds of accomplishments people celebrate, write about, and share. They’re the kind of accomplishments that you and I most likely devour word by word, reading how they did it and wondering if…

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It’s a new year. You don’t have to feel ready for it.

It’s a new year. You don’t have to feel ready for it.

As you may have noticed, we’re a few days away from the start of a new year. I’m not going to tell you whether or not you should set resolutions or goals or challenges. Partly because I did that last year, and partly because only you know what your mindset is right now. Maybe it’s the year for a resolution and maybe that just won’t work for you. I’m just going to talk. Because sometimes it’s good to pause and…

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2017: A year of ill discipline… and self doubt?

2017: A year of ill discipline… and self doubt?

Well you’ll no doubt have noticed that the year is drawing to a close, and as it does, I think most of us are thinking back over whether it has been a good year or not. A year of ill discipline For me, there has been no year since 2010 (when I moved out and no longer relied on my parents’ financial support) where I have been less disciplined financially. I am in the fortunate position of having developed certain…

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The perfect gift for minimalists (and people who realise they have too much stuff)

The perfect gift for minimalists (and people who realise they have too much stuff)

I should start out by saying I’m not a minimalist. With the exception of my blog, which hasn’t seen a sniff of a post for around 6 weeks, every part of my life seems crammed with stuff. I most definitely fit into the camp of ‘people who realise they have too much stuff’, and I have realised this for a couple of years. Now, I could have answered the question in a 140 character tweet (a minimal response, as it…

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