My FI Journey Documenting Every Step
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April 2025 Mid-Month Update
Fewer Hours at Work My current contract at work is 40 contracted hours plus 4 hours of regular overtime per week.For over a year now, I’ve been meaning to talk to my employer about reducing my contracted hours. I came up with what I think is a great idea — at my next pay rise,…
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March 2025 Mid-Month Update
MOT It’s that time of the year when our car goes through its annual inspection. Music to my ears was the phone call from the test centre when they told me the car had passed with no issues whatsoever. I’ll squeeze at least one more year out of this car! Mortgage Another mortgage payment done.…
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December 2024 – End of the year.
Family Trip to the Cinema Thanks to the points from the loyalty programme of one of the leading stores, our whole family went to the cinema to watch Moana 2. The promotion allowed us to exchange points for a voucher worth double the amount. In our case, we exchanged £21 (in points) for a £42…
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10 Things I Do as If I’m Already Financially Independent
Even though I haven’t yet reached Financial Independence (FI), I strive to live as though I already have. My goal is not only to accumulate sufficient financial resources but also to create a lifestyle that will allow me to transition smoothly when the time comes. I want this moment to be less of a drastic…
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November 2024: New Beginnings and Financial Milestones
Real Estate This month, for the first time, I received the full rent payment for the flat I rent out in Poland. I also paid an 8.5% tax advance. In Poland, you can choose to pay tax either monthly or quarterly, whereas in the UK, taxes are paid after the tax year has ended. Blog…
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Mortgage Overpayment or Invest?
For some time now, I’ve been pondering whether it’s more beneficial to overpay our mortgage or instead invest that money into a Stocks and Shares ISA (DISCLAIMER). While digging around the internet, I came across a couple of YouTube videos. The first one made me realise that every year we pay £12,700 to our lender,…
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The Real Reason I’m Pursuing Financial Independence
Let’s start with the fact that the world we live in revolves around money. Each of us uses it almost every day. Yet, it’s hard to pinpoint exactly where money comes from? In my opinion, it should be as straightforward as the fact that a chicken lays eggs. Unfortunately, the answer in this case isn’t…
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£3312 leak plugged!
Listen to the full article on my YouTube channel! Finally, after a year and a half of struggles and uncertainty, we did it! It all started after the pandemic, when government spending drove inflation up. Until then, with just one income, our family of four could more or less make ends meet. We could afford…