All in Saving

Saving Money on My Car Insurance

A few weeks ago I blogged about how much our cars ACTUALLY cost to run. Several people got in touch (thank you) and to cut straight to the point they said “you are being screwed over Ruth, you should take a look around for a new insurer”. So I did…

Exercise ON A BUDGET

What is the first thing that you give up when life starts to get busy? For me it is exercise. The next thing I tend to give up is often saving because if I’m flat out I look for the fastest way to do something and generally you pay a premium for that.

The 4% Rule

Have you ever thought “How much do I need to save for my retirement”? I certainly have. Professor’s from Trinity University in America created a study that looked into a sustainable withdrawal rate and to cut a long story short, they came up with the 4% Rule.

Mortgage be gone!

People tell me that they are investing quite large sums of money in order to get a return but at the same time they have a mortgage. My short and sweet response is typically that “in my humble opinion, you can’t make money while you owe money”. Once I’ve uttered my opinion the fireworks often start.