Ethical Investing…

A little while ago we talked about why nothing seems to change, even in the face of overwhelming evidence to do so. Whilst human behaviour plays a large part in our collective inertia, money arguably makes up much of the rest. Where our money goes inevitably reinforces the direction we take. Money talks… Pretty much everything we do as adults takes some sort of financial … Continue reading Ethical Investing…

Something to read: Money Guru’s #1 Tip For Health, Wealth & Happiness: Drive Less

Pete Adeney, also known as Mr Money Mustache retired at 30, mostly through a combination of living frugally and by saving money where he could. Unsurprisingly, one of Adeney’s main money-saving mechanisms was riding a bicycle instead of a car. Cars suck more cash than most people imagine. On an average income half of a working week is spent paying for the costs associated with … Continue reading Something to read: Money Guru’s #1 Tip For Health, Wealth & Happiness: Drive Less

The debt trap – or, what you give up to own a car…

We’re going to let you in on a little secret. Despite being “Cardiff By Bike”, up until 2017 we had been paying off a car loan. Heresy, you may say, but life was very different five years ago and it seemed like a good idea at the time. However, hindsight is a wonderful thing… Living and learning Whether we like it or not, we’re all … Continue reading The debt trap – or, what you give up to own a car…

Money, marketing and malevolence…

Some time has passed since our Wants vs Needs post, but we’ve had a bit more time to think about another fundamental reason why nothing ever changes. Unfortunately, a lot of it boils down to money, but perhaps not in the way that you are thinking… Cars are literally everywhere… We’ve been spending a lot of time at the cinema this past 12 months. The … Continue reading Money, marketing and malevolence…