Inheritance

Warning! Unstructured post ahead! Some of you may have recently stumbled onto the blog from my recent post on Inheritance Tax on Monevator. If that’s the case, hello, thank you for visiting! If you’d indulge me, I’d like to share some of the personal element behind that post. Because whilst it is an immense honour…

The Three Levers of Personal Finance

Give me a place to stand, and I shall move the Earth with it Archimedes Personal finance can be incredibly complicated with you want it to. Around the world, billions of people wrestle daily with managing their money. It can feel like an intractable problem. But using the Three Levers we work out how to…

Social media is poison

I’ve been in blissful ignorance for many years. I deleted Facebook over five years ago. My wife and I have an Instagram account (which does have some dark sides). But no other accounts. I never even had Twitter. Social media is poison About 6 months ago I set up Twitter for this website. I’ve learnt quite…

The directors and auditors of Carillion (Part 3)

This is Part 3 of my Carillion series. In this part, I look at what investigations will be going on and what the aftermath might be for the auditors and Carillion directors. Part 1 on the insolvency process can be found here. Part 2 on the accounting can be found here. One lawyer with a…

Was Carillion like a ponzi scheme? (Part 2)

I’ve decided to create a 3-part series on Carillion and the hidden goings-on in the accounting world. This is part 2, where I look at some of the questionable accounting. You can read Part 1, on the insolvency process here. You can read Part 3, on the ongoing investigations and aftermath here. I loathe hyperbole.…

Insolvency and Carillion (Part 1)

I’ve decided to create a 3-part series on Carillion and the hidden goings-on in the accounting world. This is part 1, where I look at the insolvency process. You can read Part 2, on Carillion’s accounting here. You can read Part 3, on the ongoing investigations and aftermath here. Sex sells. And at the moment,…

Mrs YFG: it’s not all sunshine and rainbows

Reading our blog back to myself now and again, I think sometimes it can come across like we’re some kind of Home & Country magazine yuppies with a perfect life. Oh, we don’t fight, oh we’re equal, isn’t Mr YFG a wonderful house husband (aren’t they bucking trends by having a female breadwinner). Sometimes I…

When cash was king

I promised my twitter followers something special: Been doing some number crunching on UK returns – with a very surprising result. Watch this space… — Young FI Guy (@YoungFIGuy) August 16, 2018 So here it goes. It’s 1 January 1989, the Soviet Union still exists, Kylie Minogue has just conquered the charts with her debut…

How we track our expenses

Tracking expenses is one of the most important ways to take control of your finances. You can’t actively manage your money unless you know what you spend your money on. That said, tracking your spending can be tedious – manually entering hundreds of transactions a month is nobody’s idea of fun. Things are getting better,…