are you spending less for no particular reason?

Really, my life hasn’t been materially affected by this credit crunch / recession / whatever so far. I’ve got a new job, but that was because I made a career shift. My house is worth more than I owe on it (probably) but my mortgage is only 21% of my take home pay, so I’m [...]

do what works, because done is better than perfect

I’m a firm believer that you need to do what works for you. Ignore ideology and what ’should be’ the right answer - you don’t need to do what’s best, just what works and is good enough.

food
The other day I was talking about the food that I eat. I really don’t enjoy cooking unless it’s [...]

money isn’t the same in my head

Isn’t it funny how not all money is the same?
Now I know with my intellectual maths graduate brain that money is fungible - which is just a fancy way of saying that it’s all the same. £1 is worth £1, and $1 is worth $1.
But you wouldn’t think it to look at how I actually [...]