Housing Costs – A 40 Year Summary – Buy v Rent

Which is best for optimum housing costs? Buying or Renting? To try and influence the argument with specific data, I decided I would put together a 40 year summary of my own experience on how much it has cost to own my own house. I live in Edinburgh, Scotland, where the housing market has been pretty… Continue reading Housing Costs – A 40 Year Summary – Buy v Rent

Restaurant Etiquette – Splitting the Bill

I have been commenting on a post by Quit Work for Life, on when you should split the bill versus just pay for your own, or indeed be treated by someone else. I have been to many ‘gatherings’ of work colleagues and families. Generally the rules of engagement seem to get set at the start. Someone says… Continue reading Restaurant Etiquette – Splitting the Bill

What’s Your Emergency Plan?

Have you got an Emergency Plan?I was doing some catching up on my reading this morning. I had commented a couple of days ago on a blog in Our Next Life on Financial Independence, which led me to go and look at Jim’s blog  Wallet Hacks. He has a great style of writing, very clear and easily… Continue reading What’s Your Emergency Plan?

Clearing Out – My challenge to myself for November

ebay selling

Call it what you like, the vast majority of us, have far too much stuff.  Not only do I have too  much stuff, a couple of years ago, my mother died and while I passed a lot onto charity shops, I kept a lot of things that would be ‘useful’ one day, or they had… Continue reading Clearing Out – My challenge to myself for November