Money and Freedom: smart, simple approaches to spending, saving, and building a life you can afford to enjoy.

  • The Day I Did the Coffee Maths — And Lifestyle Creep Finally Made Sense

    The Day I Did the Coffee Maths — And Lifestyle Creep Finally Made Sense

    There was a time in my career where I had a cafe directly underneath my office. Downstairs, literally next to the lobby door. A few minutes and I could be back at my desk before anyone realised I’d gone. It was, without exaggeration, the single most convenient cafe in my working life. Before I get…

  • The Slow Path to Financial Freedom — Why Boring Works

    The Slow Path to Financial Freedom — Why Boring Works

    I ‘d like to tell you about a spreadsheet. I know, I know, this is far from a sexy opening. But bear with me. As my wife finished university and started working full time, we were for the first time earning some decent money between us with enough left over at the end of the…

  • Buy It Once, Buy It Right

    Buy It Once, Buy It Right

    There’s a cobbler I used to visit more than I’d like to admit. That cobbler was the first person to teach me what ‘buy it once, buy it right’ actually means in practice. Every six months or so I’d walk in with another pair of leather work shoes that had given up the ghost. Cracked…