Financial Clarity - Blog
My thoughts, tips and resources on various elements of Personal Finance, Expat Finance and Homeownership
Debt, Discipline & That Magic £15K: How I Built My Emergency Fund (and Started Living on Cash)
In my 20s, I carried £15K in credit card debt—on top of student loans and a private law school loan I barely understood. But paying off that debt taught me how to live well below my means, and that habit became the foundation for everything that came next. In this post, I share how I went from debt to discipline to financial freedom—and built my first emergency fund without feeling deprived.
Overconsumption Is Keeping You in Chains
What’s Truly Keeping You in Chains?
Debt? The need for approval? The fear of missing out?
When you step back and truly evaluate what’s holding you captive, you might find that the biggest burden isn’t the job or the bills—it’s the endless desire for more. And the good news? That’s something you can change.
Stop buying sh*t. Start reclaiming your life. Real freedom starts when you decide you already have enough.