Beat The Laziness Tax – Home Insurance

It’s almost as if I planned it – just after writing about how financial inertia can affect your mortgage and insurance costs, I received the renewal letter for my home insurance. It was everything I’d hoped for – let me quote what they said and translate for you. “Dear Mrs Balders Your home insurance is due for renewal shortly, and […]

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My Real Debt: Mortgages, Part 4 – Inertia

What keeps us going back to certain companies year after year: is it inertia? Is it loyalty? Or is it really fear?   When I say inertia, I don’t mean laziness, as in not wanting to work to earn money. I’m talking about financial inertia. I got into a conversation with a co-worker about her plans to get a mortgage, […]

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Extra Income Report – May 2016

I’m exhausted. I thought I should open with that because it may explain why I might not be totally coherent, and also why I’m totally obsessed with how much I spent in May as opposed to what I earned, which is what this post is supposed to be about… See? Rambling already. We’ve been working flat out on our bathroom […]

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My Real Debt – Mortgages, Part 3: Your Credit Rating

I’ve tried to help people understand the house buying process, but this is where the wheels usually come off. For example, a younger friend of mine wanted to buy a home with her partner, and asked me for some help with the process. My advice was that their first step should be to check their credit files. It turned out that my friend […]

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My Real Debt: Mortgages, Part 2 – Your Product Type

Mortgages, Part 2: Your Product Type. Click on the picture to read about the different types of mortgages available and how you can figure out which is right for you.

This is the second part of my mortgage series – read part 1 here. This is all about the different types of mortgages, including whether or not they’ll be right for you.   It’s a bit long but do read on if you’re researching your first mortgage, or you’re just into other people’s mortgages! The product type (I still find […]

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My Real Debt: Mortgages, Part 1 – Your LTV

Mortgages, Part 1 - Your LTV. Do you find mortgages confusing? Click on the picture to read the first of my series of posts explaining mortgages. This post talks about the loan-to-value ratio and what it does.

At the risk of sounding like the most boring dinner party conversation, I’m going to talk about my mortgage rate. This is one thing that’s important to get right, since it’s usually the biggest debt of a person’s life, and it shouldn’t be taken lightly. Read on to find out how I got my deal, and how you can get […]

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My Fake Debt: How I Make Money From Credit Cards

My Fake Debt - How I Make Money From Credit Cards. Click on the picture to read how I use credit cards to earn passive income.

When is debt good? Right now, we “owe” over £7,250 on credit cards, but I don’t consider us to be in debt. We could give it back at any time we wanted to. We’re using that debt to make money.   In 2014 and 2015, we made over £400 and £450 in interest, and we didn’t have as much “debt” […]

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Get Stuff Done

Wednesday isn’t supposed to be stressful. It’s the start of my week – that is, the part of the working week that’s all mine, the part of the week when I don’t have to go to the office. Sounds great, doesn’t it? It is, actually, except for the tremendous pressure to GET STUFF DONE that I always end up experiencing […]

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Bathroom Brawl

Ok, we’ve not had a brawl.   We’re just having a minor disagreement over how to lay the tiles we bought for our new bathroom renovation.   Incidentally, we got 7 packs of these white metro tiles from eBay for £40 – bargain! These are just what Lord Balders wanted. I’d have had something more unusual, but our budget doesn’t stretch […]

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Signs of Life!

Is it weird to feel a sensation akin to pride on behalf of a plant? I’m so proud of my little baby cuttings! I ought to stop anthropomorphising everything, but my lil babies are growing up so well that, well, I’m just plain proud of them. My hydrangea and plum tree spent a night outdoors at last (yes, I took […]

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