Goals we’re working towards

image of lowe alpine vector 30L rucksack

I’d like to spend a little bit of time on this post to explain what goals we’re actively working towards, why we’re doing them and where we are with each of them. Recently, from two completely different sources, close friends and families has told us that after reading this blog they finally understood where we’re… [Read More]

Bipolar Finance step 7 – spending the Bipolar savings without guilt

spending your bipolar buffer without guilt

During a manic phase, you end up doing things you later regret. You know you are doing the wrong thing whilst you’re doing it, but there doesn’t seem to be a way to stop it from happening because it feels too good at the time. Buying endless pairs of shoes, or music, or materials for… [Read More]

Bipolar Finance step 6 – serve eviction notices on your cards

credit and debit cards needs to be locked away

This is step 6 in our 7-part Bipolar Finance series. In step 5 of this Bipolar Finance series, we discussed about going cash only. Once you do go cash based, you might experience one of two things – that you either no longer use your credit & debit cards or, the opposite,  you start using… [Read More]

Bipolar Finance step 5 – go cash only

wallet in chains

This is step 5 in our 7-part Bipolar Finance series. Step 5 and 6 of the Bipolar Finance series is about spending delay tactics that you can weave into your life so that when the next manic phase comes, it’s a little bit more awkward for you to overspend. These steps won’t stop you from… [Read More]

Bipolar Finance step 4 – lock away your savings

Hand giving you a key

This is step 4 in our 7-part Bipolar Finance series. Have you ever been in a situation where you have been working really hard to save up for something special, only for that saving to disappear into thin air during a manic phase? All the holiday savings, house deposit savings and car savings gone in… [Read More]

Bipolar Finance step 3 – become a squirrel

photo of a squirrel

This is step 3 in our 7-part Bipolar Finance series. The first two steps of this Bipolar Finance has been looking back and getting to know how your Bipolar affects you. Step 3 puts in to place the most important mechanism that will lessen the financial impact of mania – a financial buffer account. Squirrels… [Read More]

Bipolar Finance step 2 – know your spending pattern

Chart showing mood pattern for the last 14 years

This is step 2 in our 7-part Bipolar Finance series. In step 1, you worked on motivating yourself to kick some serious Bipolar butt. Although the step may have been quite emotional, I hope you are now brimming with motivation to really tackle your Bipolar Finance. From here onwards, we focus on practical steps that… [Read More]

Bipolar Finance step 1 – get motivated!

Tree reflecting in water

This is step 1 in our 7-part Bipolar Finance series. It sucks. Bipolar affects all aspects of your life, and for each aspect you have to put so much effort in to coping with the everyday life. Other people don’t have to put in so much effort, so why do you have to work so… [Read More]

Introducing the Bipolar Finance series

young plant growing from coins

This is an introduction to our 7-part Bipolar Finance series. When Bipolar affects your spending, you have a much more hightened relationship with the normal ups and downs of personal finance. When you are in a manic phase, you overspend far more, and when you are depressed you are wracked with the guilt of your… [Read More]

Cost of settling down in a new city

picture of calculator

It’s been 6 days since we arrived in our new city of Edinburgh. Since we are trying to save money for our travels in couple of years, we have been keeping detailed records of the cost of settling into the new city. We’ve tried to buy only what we need, and buy at a good… [Read More]