So my flat’s heating system broke down nearly a month ago, and we try to keep ourselves warm with electric heaters the building management let us borrow. While this is not an ideal Christmas setting, it made me think: what can you do to save money/reduce costs during winter?
I saw a joke on Instagram yesterday: “being in your twenties is mostly figuring out how your friends can afford their lifestyle.” I honestly think about that a lot when I speak to my friends who go on vacations very often and don’t really think about the future. I wonder: do they have family money, do they plan to start saving later?
Millennials have financial issues that can be addressed RIGHT NOW (before it’s too late).
Chances are I’m going to upset some people by writing this post, but I thought I would quickly touch on this hot topic.
At the time I’m writing this article, Bitcoin is up nearly %1000 over the past 12 months and has experienced over the same period two or three significant movements downward before recovering quickly.
I thought I would test a shorter format this week. I have been trialing a few things I will talk about in a longer post and one of them has been doing the 52 week challenge.
I have never actually made a long list-type article, but I have made three short list-type ones:
- 10 secrets to stay focused all day
- 7 things you MUST know about investing
- 5 Secrets to successful budgeting
So for my first long list-type article, I thought I would make one that would help as much as possible: quick things you can do this week to improve your financial life over the long term (and maybe forever, who knows). Here we go:
Peer to peer lending is an expression you might have heard here and there over the past 8-10 years, and maybe increasingly so. I have myself been using P2P lending in my portfolio for a couple of years, with Crowdcube (small businesses and startups), Funding Circle (small loans to companies) and Lendinvest (mortgages). How does it work and how can it fit in your investment strategy?
I have been thinking about ETFs recently as I discovered that more and more providers are starting to offer thematic ETFs, which are not necessarily based on investment theses. I in this post, I talk about ETFs themselves and how you can use them in your portfolios.
I have seen my fellow bloggers aim for the magic number of accumulating $1m in wealth before thinking about retiring/quitting your job for something that excites them more. But what can you really do with $1m? For the remainder of this article, I’m going to assume that $1m roughly equals €1m and £1m.
I recently changed job and companies, and I am now working more than I was before, in a better environment. I like working for my firm because I am master of my time: I can start early, or late and work from home. This might seem ordinary for some of you but I work for a financial company in London, and I believe this is pretty rare in my field.
Because I usually have a lot to do and I don’t want to work longer hours than I have to, I want to maximise my productivity. Here is what I found most helpful to stay focused all day.
I love food. And you probably do too. But this necessity can eat up a significant portion of your income every month depending on how you manage your meals.
Below I list my top tips to save money on food (and by food, I mean groceries, not counting the occasional night out). You might be able to apply some or all of these, depending on your work situation and where you live.