Next Chapter
“I have no idea when the next post will be.” – post no. 074 on 12/02/2023 In February, it will be three years since my last post. When …
Full Circle
I cannot believe it has been two years since my last post. My absence has mainly been due to a combination of technical, personal and work related. The technical …
Financial Origin
Financial Origin This path I have been on has been not easy. But how did I end up here? Ive written before how I ended up living in the UK, …
Our Numbers – Tax Year 2019/2020
A New Year, a New Lockdown! Happy be-lated New Year everyone! In the same vain, here is a late post to update you on our numbersfor Tax Year 2019/20 (April …
Forever Home Series (Part 1) – Our Search Begins
What is a ‘forever home’? My wife doesn’t believe there is such a thing as a forever home. I also think the idea of a forever home is idealistic. Life …
Policing without Consent
George Floyd When I first heard about the death of George Floyd and clicked on the video that was circulating worldwide, I was lost for words. The first time I …
Are We Really FI? (Our Numbers – Tax Year 2018/2019)
Where has the time gone? I hope you had a good weekend. Can you believe it has been two years since my last proper numbers post where I shared our …
An Audible Book Review of RESET by David Sawyer
The Unconventional Early Retirement Plan I first heard about this book some time ago when David Sawyer (author) reached out to me to see if I would do an honest …
So near and yet so FI – a Life Update
I’m Back So where the hell have I been? In short, life has taken over in recent months with my new role at work and focusing more on my family.This …
Don’t Sweat the Small Stuff: Saving Money on Haircuts
Im going to say something which can be quite controversial amongst the personal finance and financial independence community. You might have heard the concept that making small savings over time …
“The little boy who was once selling bread” – Lauren’s Story
Lauren and husband are in their mid 30s but have already achieved financial independence. They still choose to work, but how did a little boy who once sold bread on the streets get so close to being a millionaire in a few years at such a young age.
CSI Finance: Every Contact Leaves a Trace (Locard’s Principle)
It turns out, I’ve accidentally started a mini-series of blog posts where I relate certain elements of policing to money. They range from some of the ideas in books recommended …
Do you have the Financial Grit to Retire Early?
You’ll have to excuse the term ‘retire early’ in the title. What I really mean is “do you have the financial grit to reach financial independence”, but I just didn’t …
Is Financial Independence by 40 on 40K Possible? – REALITY CHECK
I recently wrote a post about reaching financial independence by 40 with a starting salary of 40, whilst at the same time comparing the UK to the US. I …
How to Apply a Detective’s Mindset to Protect Your Money
Day 1 of Detective School During the first day of detective training school, recruits are usually taught the ABC. Nope – this isn’t the alphabet. It’s a new way …
How to Reach Financial Independence by 40 on 40k – UK vs. US
Disclaimer I dont write a disclaimer for every post because it is in my About section and on the bottom of my Home page. However, for this particular post, …
What if the world retired early? (Tragedy of the Commons)
A Dystopian or Utopian Future? There is this saying: “too much of a good thing can be bad for you”. Adapting this to the idea of early retirement: “too …
“I don’t feel that I have to be super wealthy to be happy” ~ Rich’s Story
Rich and his wife are in their 20s and have moderate incomes. They don’t intend to leave the work force completely and instead use semi-retirement as a way to pursue their passions.
How to successfully work from home and not get fired
I’ve tried working from home for about six months during my time with the Police so far. It was such an odd experience. I actually found myself working even …
Financial freedom by making decisions like a Police Commander
The Police National Decision Model Policing in the UK use a model called the National Decision Model (NDM) to aid all our decision making. Every Police Officer is taught …
How your brain chemicals supercharges the debt snowball method
This week I bring to you a particularly interesting piece which explains how certain brain chemicals supercharges the debt snowball method. This is a systematic method used to pay …
When to buy a house if you have student loans debt
In the UK, the average medical student debt is 43,700.Once maintenance loans are factored on, the total debt could reach as high as 82,000. Even with recent rises in …
“Living on one income, my dad’s £4 a day” ~ Fred’s Story
Fred is from the Philippines. After experiencing a natural disaster and personal loss, he started a new life in the UK. He is considering geo-arbitrage to fast-track his time to FI.
Maternity Leave for Men: Tips for dads on paternity leave
It’s Father’s Day here in the UK. My two-year-old gave me a Father’s Day card on the direction of Mrs. CfC. I asked him if it was for me. …
Being a 1% – Guilt and keeping it real when making a ton of money
Being a 1% Some of you may know if you follow me on twitter that I’ve recently finalised our numbers for tax year 2018/19 and preparing my blog post …