Filling up the ISA – Use it or lose it

We’re at that time of year when we’re sent reminders to make the most of the current financial year by topping up our ISA’s with their remaining allocation. For 2013-2014, we’re given £11,520 to invest in a stocks and shares ISA or £5,760 in a cash ISA and £5,760 in a stocks and shares ISA.  I…

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Life without Sky TV

There’s a chance that those of you reading this blog outside of the UK, won’t be aware of Sky TV. It’s a Premium Satellite TV company based in the UK. It has over 600 channels. As of June 2013, the company had over 10.5 million customers for it’s TV offering. The UK has over 63…

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Stock Purchase – British American Tobacco plc

When I made the decision to start writing a blog, I knew that I wanted it to be as transparent as possible. Before I started writing, I was busy reading other peoples blogs and tracking their progress. The blogs that stood out to me were the ones that were completely open and honest. They gave…

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Decreasing expenses

If you’re like me and you plan on increasing the amount of disposable income you have each and every month, you have two options – You can either increase your income or decrease your expenses.  I’ve spent a lot of time working on how I can increase my income. I re-focused my efforts at work…

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Overcoming challenges – You’re in control!

Every single human being has problems. We all get them everyday, and there’s nothing we can do about it……. or is there?  Problems occur everyday for everyone. The only occasional break to these problems are crisis’s. In reality, everyone is either in a crisis, they’ve just gotten out of a crisis, or they’re just about to have…

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Lent – Life without a car

Earlier this week we had the beloved ‘Shrove Tuesday’, better known in the UK as Pancake Day. Shrove Tuesday is observed by many Christians, who make a special point of self-examination. What ‘wrongs’ they need to repent, what areas of their life require spiritual growth etc. I’m not in any way religious. I don’t believe there’s anything…

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Welcome to my Blog

Hi, My name’s Huw, and this my journey from being £28,000 in debt to financial freedom.First of all, thank you for joining me. I really appreciate you taking the time to read about story.I have set up a page ‘About me’ which provides my full story of how I got here. I’m a self taught…

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