The Savvy Scot

Personal finance and lifestyle blog

Viewing category: Saving Money

Making Money – A Reader Suggestion

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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

Second Thoughts & Borrowing Money from Family

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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

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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

Lessons in Negotiation

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As I mentioned on my last post, Mrs Scot and I decided to take out a contract at our local gym. With some successful experience in sales (through a part time job), I consider myself to be quite a good negotiator and my secret is to use a diverse range of tactics. I’ll start with an example. When holidaying… Read more

Why Amortization is Important

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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!

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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

ParkatmyHouse / PetrolPrices / Fitness Challenge / Further Reading

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Got a mix-match post today: First up, Mrs Scot and I went to Wembly Arena in London on Saturday night to a concert. One of my pet-hates is getting stuck in traffic, especially when it is expected. Therefore parking at the arena was out of the question – especially at a cost of £25 ($40)…. Read more

How to get a 100% LTV Mortgage

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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

I’ve Got my Baby Back :)

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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

Mix Match – A Free University Course / Car Updates / Presenting Tip / My Blog is Growing!

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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

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Neither The Savvy Scot or any guest writers on this site are finance professionals. All writing on this site is intended for entertainment purposes only. Some posts on this site may be sponsored and will include links to external content. See Terms & Conditions page for further details.