All in Saving

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.