February Finances

New around here? Why not check out my about me page. For continuity purposes, here is my post from last month: January 2020 Finances

Looking back on Jan / Feb, it was rather turbulent for me emotionally and often I found finances taking a backseat though going into March I can finally say things are beginning to level out and that’s clear within this report especially in regards to the progress made on that grand total, which has been steadily growing.

The Accounts

Natwest / HSBC

I made a slight booboo here, though its kind of a blessing in disguise at the same time. When I saw another £175 switch offer, this time from Natwest, I pounced on it as quickly as I could. For some reason, I decided to switch from HSBC despite having some other redundant accounts in hindsight I could have used instead. I did perform a quick google Will my regular saver account stay open if I switch away from an attached current account, most answers led to me to believe it would however on HSBC’s small print you need to have one of their current accounts active in order to keep open their regular savers, doh! I did lose three months’ worth of interest, though in the same breath gained when £175, which is considerably greater than the interest I would have gained over the year. Win-win? From late Feb onwards, I no longer have an HSBC current or regular savers account.

January Finances

New around here? Why not check out my about me page. For continuity purposes, here is my post from last month: December 2019 Finances

Happy New Year! (better late than never)

I look back with mixed feelings as January comes to close, it felt as if it simultaneously dragged on but flew by at the same time – we all know that feeling right? I’ve very much cracked out whip this month and accepted a lot of additional income opportunities that has increased my income for this month which should hopefully pay off a decent amount of debt I have (PayPal Finance) to my name without it needing to come out of main employments salary.

December Finances

It goes without saying that December typically is one of the more expensive months of the year especially due to Christmas. There has been no exception to that this year, and oh boy has it been a costly month for me with a multitude of predictable yet unforeseeable events occurring that has really signaled to me the importance of having an emergency fund, raring to be used at a moments notice.

In hindsight I say predictable, yet you don’t know what you don’t know so a few abnormal expenses were made this month including two new tyres, headphones (required for work) and a cambelt replacement. I’ve learnt my lesson and will budget for such expensive going forward. Fortunately, this time round what I had already built in my emergency fund acted as a soft safety net that really helped adsorb the blow.



It would be foolish to lay the foundations of this blog without a core set of goals, after all without goals there would be no destination.

I started to be more money conscious during early Summer this year, its been a slight grind getting all of the gears going however over the past couple of months, the small money behaviors changes I've made such as opening a few regular savers and an S&S ISA account, have begun compounding so I've started to feel that financially, I've lifted off....

about the financial anvil


the all important disclaimer

It is at this point, crucial for me to begin this introductory post by confirming that I am by no means a financial adviser, nor do I strive to be one. If I allude to any recommendations or advice during any posts I publish here…please for heavens sake take it with a pinch of salt.

about me

I’m a guy who is in his early 20s, have been eyeing up the FIRE (Financial Independence and Retire Early) scene for the past couple of years, though have only just begun to make progress towards primarily the FI part by making subtle lifestyle changes within the last couple of months.