Good evening world! Hope everyone is well and looking forward to summer. The UK has gone a little bit patriotic crazy for a certain jubilee that we are supposed to be celebrating – I enjoy the free stuff at work, but am more looking forward to the fact that I am going on holiday on… Read more
Viewing category: Personal Finance
Second Thoughts & Borrowing Money from Family
Today Mrs Scot and I decided to take the motorbike to her Mums for lunch. It was so much fun to be out on the open road together with our headsets plugged in so that we could chat. Although driving on the motorways is not much fun (very straight and generally quite busy) it was… Read more
Defining Purpose and the Importance of Moderation
Purpose – what does this word mean to you? The dictionary defines purpose as ‘The reason for which something is done or created or for which something exists’ To me the meaning of purpose is what drives me, it is the ‘why’ and the reason. I think purpose is something we all need to find;… Read more
Why Amortization is Important
Please note that I have not converted currency to dollars in this post as I didn’t deem it necessary, given that the fundamental concepts still apply. Today’s topic for discussion is Amortization – in the Mortgage sense of the word. In Mortgage terms, it is essentially a fancy term that people use to discuss how… Read more
Contracts Exchanged & Why we got a new Credit Card!
Good morning everyone; hopefully we are all having a great weekend. I am aware that I have been quiet for the last few days but for a good reason – WE HAVE EXCHANGED CONTRACTS!! 😀 – Our new house is officially ours! We get the keys next Friday – officially the last day of the… Read more
The Thailand Wedding Part 2 – The Finances
My first post on Our Wedding in Thailand Explained has proved to be hugely popular – one of the most popular posts on this blog in fact. Finally, the time has come to reveal the finances behind the destination wedding! Thank you to those of you who have emailed me asking to post this information… Read more
How to get a 100% LTV Mortgage
Today I want to talk about Mortgages. Mortgages are something that haven’t concerned me until recently, when I started talking informally to a Financial Advisor who happens to be a family friend. I knew that mortgage rates varied depending on LTV (loan to value – i.e. the size of your deposit) and there were many… Read more
Dealing with Obsession
Be who you are and say what you feel…. Because those that matter… don’t mind… And those that mind… don’t matter.” Today, I urge you to chill out. Give me five minutes of your time. What have you done with your day so far? What have you got planned? Chances are, you are like the… Read more
I’ve Got my Baby Back :)
As my regular readers will know (I have some of those now 😀 ) Mrs Scot was in a car accident on Thursday evening 🙁 – The car is badly damaged – both airbags went off, bumper / bonnet ruined, possible cracked radiator… – and is currently at the insurer’s garage being assessed. Given that… Read more
Valentines Day: The Numbers
My personal ‘subscription’ to blogs has grown exponentially over the last few weeks. I am now reading almost 40 blogs! How does this compare to you guys? Do you follow many regularly? I read a plethora (I like this word – means a variety) of different Valentines day related blog posts from various blogs. I… Read more
Mix Match – A Free University Course / Car Updates / Presenting Tip / My Blog is Growing!
Free University Courses: No this is not a catchy title to try and get people to read my blog – today The Massachusetts Institute of Technology (MIT) has launched its first free course – MITx, an electronics course – which is entirely virtual. MIT aim to ‘shatter the barriers of education’. While there already hundreds of… Read more
The Future of Giving
How many people regularly donate money to charity? I am currently planning a post written around how to integrate doing what you want to do and what you think you should do; so there will be more on this to come; but in the mean time here is some food for thought: I have been… Read more