We’re moving to Cambridge – We might be FI!

Where the hell have I been?

July has been a life changing month for me. I don’t say that to exaggerate or to create drama. Seriously, it’s been huge. There’s a lot to update you with, so strap yourself in folks…

Lou and I have decided to sell our house and move to Cambridge. In fact, we accepted an offer over the asking price on Saturday 30th July. 

We spent the first chunk of July decorating the house and ensuring it was ‘sellable’ (is that a word?). We listed it on the market and 15 days later we sold it! 

Who cares, and why’s that relevant?

I wrote a Blog post last year which detailed a potential move to Cambridge. Lou owns a house there and has since been paying for its upkeep. Its costs are low, but it’s still been an added expense in her life. For the full Blog post and back story click HERE

I decided against it as I loved my job at PGL and didn’t want to risk not finding a job I loved down there. Now that I’ve been working for myself, the option of moving down to Cambridge reared its head again. 

This house doesn’t have a mortgage. With the impending sale of our current home, Lou and I will be fortunate enough to benefit from a substantial sum of capital we have in our current home, which can invest with.

Our new living expenses will be approximately half of what they currently are (living mortgage free), with the added benefit of receiving the extra dividends / investment income from the house sale.  

Based on my conservative estimates, it’s fair to say that Lou and I will be FI. If not FI, we’ll be extremely close to it. 

For the last 3-4 years, we’ve been working towards Financial Independence, and once our house is sold we’ll be one massive step closer. 

With my kindle earnings, Matched Betting, Ebay and Dividends, I earn more than enough to cover both of our living expenses and more. In fact, my dividends and Lou’s dividends are likely to cover our living expenses and bills, with any extra cash going towards ‘fun stuff’ or further investments. 

Now that we’re in this awesome position, we’ve asked ourselves…

“What do we do now?”

This opens up a range of options. Lou is contemplating not working again, and we can finally do whatever we want in life together. Travel, relax, take up new hobbies, and generally enjoy our lives together. 

I’m not one for sitting on my arse and doing nothing, and frankly, neither is Lou. Although we’re yet to decide what we want to do with our new lifestyle, I feel so grateful to be in a position where we can take our time and make an informed decision. 

What’s happening with the FIRE Escape in Sept?

I’ve been rightfully asked what’s going on with the FIRE Escape in Sept. I have to be honest and say, nothing at the moment. The house move is likely to happen in September, and although we don’t have a date confirmed yet. I don’t want to take on something like this whilst the move is ongoing. 

I know that’s shit and disappointing etc. But it’s where I stand. 

If anyone else out there wants to organise it, use the name and/or advertise it on this Blog, you are more than welcome. Contact me via the Blog on the right hand side and let me know. 

What’s happening with the Blog / Youtube?

Honestly, I don’t know. 

The reason I haven’t announced our plans sooner is that I didn’t know what to tell everyone. I still don’t…

Our new situation will allow me to do whatever I want, and I have to be honest and say I was contemplating not doing any Blogging/Youtube online ever again for a while. 

The truth is I need some time to consider what I REALLY want to do with my life, settle into my new surroundings and decide with Lou what we both want to do. Once I’ve established that, I promise you guys will be the first to know. 

What’s happening with the Kindle Course?

Like the Blog and Youtube, I was considering sacking the whole thing off. I had become somewhat disillusioned with the whole thing. 

The course was set for release on 31st July, which obviously hasn’t worked out.

I don’t shy away from work, and I’m more likely to over-commit to stuff more than anything, but the thing that bothered me most was the potential ongoing work created in a membership site – dealing with issues (software, customer service etc), running the forum (and occasionally policing it), and ultimately ensuring that the members were getting exceptional value for money. If I couldn’t commit to delivering excellent post-course service, I didn’t want to do it. I wasn’t comfortable with selling it and leaving them to it. 

I’ve talked to a several people about whether or  not to do it and I’ve decided that I DO want to proceed with it and get it out there. I will need to keep myself busy, and I believe I have too much to offer on this topic to just benefit from it myself. 

A recent Book Launch really helped me confirm that decision. This book personifies my message of Self Publishing – Being unique, standing apart form the competition, or simply put, being INNOVATIVE. 

This book has been a big, difficult, and expensive project, but has been totally worth it! 

I hired writers, editors, proofreaders, even translators to get it done. It was totally unique and no other book is available on this topic on Amazon (for now..). 

My Recent Ebook Launch Stats

Cost = £555.62 (This is usually £100-£200)

1-7 day sales = £655.50 
1-14 day sales = £981.91
1-21 day sales = £1,231.26

(These sales numbers are NOT Including KENP (pages read), which are averaging about 5,000 pages read per day = approx £14 per day)

Its results have reminded me how important these elements are to success and how my message differs from most of the other Kindle ‘Gurus’ out there. I know my results aren’t JK Rowling status or anything, but how many other Kindle Coaches out there have made over $1,600 in ebook sales alone (not KENP) in 3 weeks from one book?

Note: I haven’t included Createspace sales numbers nor ACX numbers either!

I’m not sure when I’ll complete it with an upcoming holiday and the house move, but once I have a better idea, I’ll let you all know. 

For those of you waiting for the course…

In the meantime, feel free to unsubscribe, wait or crack on with another option. I appreciate that I’ve let you down and I’ve let myself down with this commitment. For that I’m truly sorry!

To somewhat make up for that, I’ve tried to offer some alternatives. I’m going to be opening up my coaching service to a limited number of dedicated people, I’ll work my nuts off to get this course done as soon as I can, and I’ll recommend a course for those of you that are desperate to get going. 

I’ve been asked by a few people what course I would recommend and so far I would only recommend one!

I’ve completed many Kindle Publishing / Self Publishing courses and I would NOT recommend most of them due to their generic, lack of quality and sub-par detail. This includes K Money Mastery which I did at the very beginning!

The only course I would recommend to anyone interested in Kindle / Self Publishing is…

Steve Scott’s – Authority Pub Academy

I’ve reached out to the creators Steve, Barrie and Ron and asked for an affiliate link – They didn’t have one prior to me asking! They’ve created some test links which I’ll provide below and in an upcoming Youtube video when I show you a behinds the scene look at it. 

>>Click Here for Authority Pub Academy

Steve and Barrie have written over 70 books between them and made over $600,000 in 2 years. Although I don’t write my books, I’ve used a lot of their methodology to improve my pen name sales and brand. I’ve also used this course as a benchmark for my own course, and included a lot of the learning points from it. Their course was a big reason behind my initial delay in releasing my course in Jan this year due to it’s quality. 

This is not a cheap course, and it will take some time to work through. It has over 90 videos, in-depth interviews with successful authors, and 6 bonuses. The content is second to none in my opinion! BUT is only for the truly committed. 

Kindle Coaching

I’m opening up my coaching once again, as I miss working with people, and I feel I have a lot to offer in the world of Self Publishing. I’ll be restricting the number of people I take on, and I’ll be looking for a particular type of individual. 

To allow myself the time to complete my course, I will only take on people that have ALREADY released a book onto Amazon, and know the basics. My coaching will be a form of improvement on what you’ve currently done, rather than teaching you the basics of getting started. 

Also, I’ll only be willing to work with the truly dedicated people who are willing to work hard, make sacrifices and are willing to take a calculated risk. THIS IS NOT FOR EVERYONE!

If you’ve made a start on publishing and you’d like some help on improving your sales numbers, click on the link below and apply for a coaching spot. 

>>Click Here to apply for a limited Coaching spot

Please note: Most people will NOT be accepted due to my selection process. Don’t take this personally! 🙂

I hope either of these options can take the edge off letting down those of you that are interested. 

I’ve taken up enough of your time, so I’ll wrap it up there. If you have any questions, as always, drop them in the comments below. 


  • EarlyRetirementGuy

    Reply Reply 3rd August 2016

    Awesome news! Congrats on both reaching this point and then making the final leap. I've no doubt you'll make a success of whatever you decide to do. You mentioned travel; I'd love to see a blog or video series following you around the world, perhaps showing how you're still earning even whilst sitting on a beach in the sun?

  • Organised Redhead

    Reply Reply 3rd August 2016

    Hi Huw (& Lou),

    So pleased to see an update from you, and massive congratulations on achieving FI so soon. That must feel truly amazing, and well deserved. It has really been a pleasure following along with your journey/progress (even though I was a fairly late follower only discovering your site at the start of this year).

    Like EarlyRetirementGuy, it would be brilliant to see some sort of future blog or youtube channel from you – I've missed them during your break! Seeing your FI adventures would be good. Perhaps more of your comfort zone challenges?

    Also, with regards to the FIRE escape I think it would be a shame not to have another meet-up this year. I thoroughly enjoyed my first attendance and meeting everyone. I think Gaer Hall is no longer available for the date we had originally identified and I will struggle to make the full weekend for that date anyway now. If there was enough interest from people to still do one, but perhaps on an alternative date I could look into venues and arranging….I guess I'll wait to see what other people put in your comments and consider next steps!

    Again, nice to hear from you and congrats.


  • weenie

    Reply Reply 4th August 2016

    Wow Huw – massive congratulations to you (and Lou) on achieving FI – I knew you were going to do it well before you were 40 but I'd conservatively estimated next year, haha!

    This amazing achievement has been down to your hard work and dedication – so happy for you, well done.

    I hope you will continue to blog as I (and I'm sure many other readers) would love to read about your next projects, what you will do with all
    your FI time and where you will go in the world.

    The move to Cambridge doesn't surprise me and it was actually something I had been meaning to ask you at the next FIRE Escape. Appreciate that you're no longer able to commit to organising this.

    Just seen OR's comment, I'd still be up for meeting with others, subject to date and venue.

    If you don't get a chance to blog before you go away, hope you enjoy your well deserved holiday!

  • dearieme

    Reply Reply 4th August 2016

    I suppose it would be wise for your Lou to do enough nursing to keep her qualifications up to date.

    As for you, open a bicycle repair shop. Or provide a service for the Colleges: go round in a van on a regular schedule repairing bikes for the students. Term time only; that would leave you with half the year free.

  • Dom

    Reply Reply 4th August 2016

    Big congratulations Huw. You've worked hard for it and deserve every success whatever you choose to do.

  • Huw Davies

    Reply Reply 4th August 2016

    Thanks Guy!

    I like the idea of a travel Blog too. I don't think we'll travel for the first year, but an RV and the open road is a big calling for both of us.

  • Huw Davies

    Reply Reply 4th August 2016

    Hi OR,

    Thanks for the kind words! It doesn't feel real yet, and is unlikely to do so until I see the money in the bank. 🙂

    Thanks for the encouragement for more youtube videos. It helps to know that people are interested.

    There's still a chance of a FIRE Escape after we've moved in officially – whenever that is, but please go ahead and organise a Gathering if enough people express interest in it. I just don't want to commit to something like that which will involve so many people only to potentially let them down with the impending move.

    Thanks again for the support. I hope all is equally well your end!


  • Huw Davies

    Reply Reply 4th August 2016

    Hey Weenie,

    Thanks for the kind words! The house move has accelerated things, and I'm confident I would have reached it by my previous goal of 35, had I not made the decision. I'm still yet to get there, and I don't think I can fully embrace it until the money's in the bank. Anything can happen with moving houses.

    I'm really excited to get my teeth into the new lifestyle with Lou. I'm looking forward to exploring out new surroundings, making new friends, and being exposed to what Cambridge has to offer – it's massive in comparison to Hereford!

    The Blog is likely to tick along for now, although I must spend some time deciding what I want to spend my time doing. It's time to truly focus on me and Lou and no one else. Tod o what we truly love and am passionate about. It's great to not think about doing things for monetary gain. I will continue to earn money and accumulate, but it won't be a driver for me. More of a nice bonus.

    Please be my guest and set up a date to meet up with everyone. I have way too much on to commit to it right now. I might be able to make it, but organising it and committing to it is just too much right now.

    Thanks as always for the support! 🙂


  • Huw Davies

    Reply Reply 4th August 2016

    Thanks Dom. I appreciate that mate!

  • Huw Davies

    Reply Reply 4th August 2016

    Yes, she's considered continuing her nursing to keep her skills intact. She's also questioned whether it's what she truly wants to do. My gut says she'll do part time work in the immediate transition, for her to psychologically get used to it before deciding to let go altogether, but we'll just have to see.

    Working with the Uni would be very cool, but I'm not sure in what capacity. I could pump up tyres and tighten breaks but not a lot more than that I'm afraid!

    I love the freedom of choice it presents where you can do something like this, just for the love of it. Taking the concern away of earning money to live is a wonderful thought. I look forward to fully embracing it soon (hopefully!).

    Thanks for the suggestions!

  • Investment Hunting

    Reply Reply 5th August 2016

    Awesome. Congrats on reaching FI.

  • Huw Davies

    Reply Reply 5th August 2016

    Thank you Investment Hunting!

  • The Big Monkey

    Reply Reply 5th August 2016

    Hi Huw,

    Well done on hitting the FI target. Being mortgage free is going to be a massive help going forward.

    Time to kick back for a bit. Get that RV and do some miles.

    Congrats to Lou as well.


  • dearieme

    Reply Reply 7th August 2016

    Oh well, cycle maintenance night class for you.

    Come to think of it, anything-you-like night classes, if you think one might help you make some income in a way you'll enjoy.

  • Huw Davies

    Reply Reply 9th August 2016

    Thank you TBM!

    We're very excited about our new life. The RV is a real option for us. Might be giving you a shout for some small space living when we get to it.

    All the best

  • theFIREstarter.co.uk

    Reply Reply 17th August 2016


    Brilliant news!!! 🙂

    Congrats to you and Lou, you must be stoked you've got there so quickly. Truly amazing effort mate!

    I really hope you keep updating us on what you're getting up to post FI, the journey doesn't end here in fact it's only just beginning really isn't it? I like most people are very interested in what the extra free time will lead many people to do, to have a glimpse at what our own FI lives could be like. I know I have a small peak every 4 weeks for 2 weeks but it's obviously not the same as knowing you never have to go back to work, you can start any project you want and commit fully to it as time isn't an issue anymore (taking into account the waking hours in a day of course).

    I couldn't make the next meet up anyway but hopefully will see you guys soon early in 2017. You're a bit closer to us now being in Cambridge which should make things a bit easier in that regards.


  • Huw Davies

    Reply Reply 19th August 2016

    Hey TFS,

    Thanks man!

    I think I'll continue to communicate to the world in one way or another. I'm still yet to finalise what I want to do with my time and what path I want to follow. It might very well be an updated version of this site.

    RE Free time: My life won't change tremendously. I'll continue to do Kindle and Matched Betting to continue building my passive income pot. I plan on growing that, even when I get to the stage of using it. Ie. having passive income that covers 125-150% of my expenses, so I can continue growing it for the rest of my life. Lou's life on the other hand will change significantly. She now has the option of not working again. She's a nurse and wants to keep her qualification for now, but it's nice having the option that you don't need to. Sometimes, just having the thought that you don't HAVE to do something is enough to create happiness/fulfillment.

    Your 2 week stint of Freedom, will give you a great insight into life as fully fledged FI, no doubt. But yes, it won't be the same as not having to concern yourself with returning back to work every 2 weeks. You can commit to taking on bigger projects until completion, travelling, or just about anything you want.

    I hope you're getting used to & enjoying life as a parent. I'll be back to setting up FIRE Escapes once the move has been completed. I hope to see you again in person early next year.

    Take care buddy!

  • theFIREstarter.co.uk

    Reply Reply 22nd August 2016

    Cheers for the reply as always Huw.

    Forgot to say Cambridge is a very nice part of the UK. Only been once and really enjoyed it, although from memory you aren't literally in the City are you but the surrounding areas also look very lovely.

    Cheers again!

  • Jon

    Reply Reply 24th August 2016

    Hi Huw,

    Just been catching up with your blog and Wow just Wow. Massive congrats to you and Lou for your move and finally being able to call yourself FI. Knowing you as I do from the time we did the Kindle stuff its absolutely no surprise that you have achieved what you have.

    The change in direction with the e-books looks like a brave move but one that's paying off massively for you! I can see where your coming from with your approach, putting out the same old stuff as everyone else in the hope of catching some of the income can be demoralising at times. Perhaps I should take a leaf out of your book (sorry for the pun) and take stock of where I'm going!

    Anyway wonderful news and once again massive congratulations to you both from me and the family.


  • David

    Reply Reply 2nd September 2016

    Good luck with all this. I'm a bit of an FI blog addict and also happen to live in Cambridge. It's a great place for opening your mind to lots of possibilities for what to do with your life.

  • Benjamin James Phipps

    Reply Reply 12th December 2016

    Hi Huw,

    I stumbled across you on youtube last month and found your matched betting videos with thematchedbettingguy very helpful, so thanks for that!

    Since then I have been looking in to your blog and how to make money from Kindle publishing. I am keen to grow my knowledge in the subject and will be keen to sign up to your course when it's ready. In the meantime do you have any course recommendations? I will be going down a similar route to yourself in employing writers to write the material (although I will be setting myself the goal of writing 1 book).

    Also, regarding the tax implications of such a venture, do you think it is better to set yourself up as a limited company?



  • Huw Davies

    Reply Reply 12th December 2016

    Hi Ben,

    Thanks for stopping by and leaving such a nice comment.

    Great to hear you're interested in Kindle Publishing. It's completely changed my life.

    The only two courses I'm comfortable in recommending outside of my own tuition is:
    1. Steve Scott's – Authority Pub Academy.
    2. Nick Stephenson's – Your First 10K Readers.

    Both courses are designed for writers rather than people that outsource like me, but their content is excellent, and I've learned a lot from both.

    1. Steve's course is better is you're just starting out. Beginner to Intermediate range. I did a video on youtube showing you behind the scenes of the course, it's content etc. Steve is a writer himself, and someone I've modelled. He know's what he's doing, and you won't go far wrong with his course.

    2. Nick's course is more advanced. He doesn't go into the intiial start up detail that Steve does, so I wouldn't recommend starting with it. However, he goes into more detail for advanced strategies, that can help take your learning on to a new level from Steve's course.

    Finally, my course is going to be designed for UK publishers, who outsource work, and I plan on incorporating the basic's from Steve's course, the advanced lessons from Nicks and then some material from my own learning.

    I wouldn't concern yourself with setting up a company just yet. It's not required until you're making money from selling books. It'll just serve as a potential barrier to prevent you from taking action for now. You will need a unique taxpayers reference number from HMRC for self assessment to open a KDP account, which you can get by calling them and requesting one.

    In 2014, I called HMRC and asked for a unique taxpayers reference number, they posted one out to me within 4 weeks. I set up a limited company in Aug 2015 once I had handed my notice in and was earning over £1,000 a month.

    I will continue to get through this course and update you all soon. I'm afraid I don't have a completion date yet, but I'm working with a coach to help me get through the work and stay on track.

    I have affiliate links for both courses if you'd like to purchase one of them. Both links won't cost you any extra for clicking on them, but I receive a commission for them. Please understand that I have experience with both courses, and I recommend them because they've added a lot of value to my business, not because they give me a commission.

    I could recommend Stefan's K Money Mastery for the commission. It's cheaper, and focusses on outsourcing, but I don't recommend that course. In my opinion it's outdated, over subscribed (ie. everyone's doing the same thing) and doesn't go into the depth the other 2 do.

    If you have any other questions or if you're interested in me sending one of the links, email me via the contact box on the right of this blog, as it goes direct to my emails and we can communicate directly.

    I wish you the best of luck with your publishing journey. Exciting times!


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