Supermarkets are designed to appeal to all the senses. Their layout is engineered to make us walk around from staple to staple, tempted by special offers, taste tests, smells and music along the way. If you want to save money you should use a list or even better, shop online like Mrs Smelling Freedom to avoid all the temptation.
Managing money in marriage is critical for your family finances. Planning and agreeing on shared goals increases your chances of achieving financial success for your family. Mr and Mrs Smelling Freedom merged their finances in joint accounts, which works for them because they trust each other and have the same financial values.
Retirement Investing Today does some research and finds that only circa 35% of active funds beat low cost passive UK equity funds while only circa 20% of active funds beat passive global equities funds. He decides to stay DIY plus passive and so continue to pay 0.22% in both wrapper (ISA, SIPP, Trading Accounts) plus fund expenses annually.