Mrs YFG: why we don’t fight

Mr YFG and I were on holiday recently, sat on the beach in the delightful Mediterranean heat. All you could hear were the waves and seagulls….and an elderly couple bickering. This couple had been on the same beach as us for a few days and the theme had been the same. The elderly lady barked…

Financial Opportunities for Millennials and how to exploit them

Last time out I looked at some of the financial challenges Millennials face. Whilst there are lots of big challenges standing in the way of Millennials; there are also great opportunities. If my last post was sanguine, I hope that this one is optimistic. Let’s have a look at five opportunities that Millennials can exploit…

Financial challenges Millennials face and how to beat them

Last weekend Monevator linked to, and discussed, a Financial Times article on money-saving tips between a Gen X’er and a Millennial. The post got me thinking about the financial challenges facing Millennials. As I mentioned over on Monevator, I think things are financially difficult for Millenials. Unfortunately, however, that conversation then tends to go down…

p2p lending: A review of the market

Despite being only a decade old, peer-to-peer lending (p2p) appears ubiquitous; particularly in the FIRE community. In six years, UK p2p lending has grown from a £200m market to an estimated £7.5bn one in 2018. With interest rates and the returns on conventional cash investments still below inflation, p2p is an attractive alternative to traditional cash…

An interview with David at Let’s Automate Your Money

A lovely chap called David got in touch with me to ask me some money questions. David runs a site called Let’s Automate Your Money (https://letsautomateyourmoney.com/). I was honoured to be asked for my thoughts. Especially considering his previous interviewees include some FIRE community big-hitters such as J. Money and Making Sense of Cents. In…

Depression and working in finance

Depression. It’s been something I wanted to write about for some time. Particularly given the recent series of tragic high-profile suicides in the media. In a way, I’m glad I waited. For a week or two, there was a public outpouring. Then most people moved on. I don’t mean that in a bad way. But…

How I invest my money

One of the most common questions I’m asked is: How do you invest your money? It’s a difficult question to answer because it can be interpreted so broadly. Are we talking about how do I physically go about investing? Or, what asset allocations do I use? What strategic allocations do I use (UK equities vs…

Mrs YFG: on counting gold stars ⭐️

Mrs YFG here. I recently watched a Ted Talk by Mandy Saligari (Feelings: handle them before they handle you). It strongly reminded me of how I grew up. I have spent most of my life trying to be “the good girl”. At home with my mother, I avoided conflict and eagerly bent to please. I…

The Annual Allowance

A few weeks ago I wrote about the Lifetime Allowance (LTA). The LTA was brought in on A-day (6 April 2006) when there was an overhaul of UK pensions. (It’s worth having a read of that piece for some of the background history). At the same time, the Annual Allowance (AA) was also introduced. The…