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Ms ZiYou

Blog Info

Ms ZiYou
Early Retirement
Feminist, Frugality, FIRE, Self, Personal Finances, Investing
Start Year:

Blogger Bio

Net worth:
London, United Kingdom
Life stage:
SINK (Single Income, No Kids)
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Latest Blog Posts

Lately I’ve been thinking a lot about my financial evolution. I’ve always been interested in personal finance, and just geekily naturally frugal. In my past I used to be about saving money and other short term goals like holidays or buying a house. It took me until my thirties before I evolved further, and now […] The post Financial evolution from debtor to saver to investor appeared first on Ms ZiYou. ...
Posted: Feb 17 2018 @ 1:01 PM
In honour of Valentines Day, I’ve gone for a post on love and relationships today. I’ve really enjoyed reading other’s posts, but I’ve realised they fall into a small number of categories: Valentine’s presents and tips on frugal and heartfelt gifts Sharing heartwarming personal relationship stories (I love to hear these) Hints and suggestions for managing […] The post Being single is ok – thoughts from someone unlucky in love appeared first ...
Posted: Feb 14 2018 @ 3:16 AM
My background How did I become an atheist' Born and raised in the UK, in a middle-class semi religious house. I was made to dress up and go to a christian church every week. This was not because my parents truly believed in the christian religion. It turns out we went because that’s what respectable […] The post Why I as an atheist enjoy religious festivals appeared first on Ms ZiYou. ...
Posted: Feb 13 2018 @ 7:07 AM
I never used to give podcasts a thought, and never even listened to them until 2017 [embarrassed]. After an epiphany, I’ve seen the error of my ways, and nowadays I’m addicted. I can spend hours each day listening to podcasts, whilst going about my everyday activities. What took me so long' Well I am not […] The post My late adoption of podcasts – better late than never' appeared first on ...
Posted: Feb 10 2018 @ 9:18 AM
So, in order to pursue my dreams of early retirement and financial independence, I invest my money. I’m a lazy investor. Therefore I invest in index trackers, according to my chosen asset allocation. You can make investing as easy or as complex as you like, I much prefer the simple approach. Funds and Platforms Things […] The post My lazy way and tax efficient way to invest appeared first on Ms ...
Posted: Feb 08 2018 @ 4:25 PM
What does it take to feel happy and fulfilled' Do you need to be able to spend extravagantly, or it is possible with a frugal budget' After my post on income, I want to consider expenses, the other factor in determining your savings rate. Expenses When it comes to spending, the guiding rule I follow […] The post Fulfilled and frugal with a 80% savings rate appeared first on Ms ZiYou. ...
Posted: Feb 06 2018 @ 10:10 AM
I earn over six figures each year, and have done for five years now. Quite simply, I am privileged yet I also worked hard to get where I am. But it’s not always been like this, so I want to examine what stopped me reaching the holy grail of a £100,000 plus income earlier' What […] The post What prevented me earning six figures earlier in life appeared first on Ms ...
Posted: Feb 05 2018 @ 6:37 PM
So I’m beginning this blog as I mean to go on, sharing net worth updates with you all. I’ll share the good times, so-so times and bad times, all under the thin cloak of an alias. How was January A new year, a new start seemed the theme all around me, but I just want […] The post Net Worth and other updates – January 2018 appeared first on Ms ZiYou. ...
Posted: Feb 03 2018 @ 10:21 AM
It’s 2018; a year where feminism,  #Vote100 and #metoo dominate news headlines. They are seen all over twitter, the broadsheets and even the tabloids. Before we dive headfirst into the topics, now seems a good time to acknowledge my privilege, as a middle-class white woman born in a first world country. I have managed to succeed in the […] The post Feminism and Money …. are they compatible' appeared first on Ms ZiYou. ...
Posted: Jan 30 2018 @ 1:38 AM
Why Ms ZiYou' The name incorporates lots of things that are meaningful to me. When I committed to this blogging idea, coming up with a name was hard, especially as I’m exactly the most creative person (actually, I recall actual squirming in my teenage years trying to come up with names). I wanted a name […] The post Introducing Ms ZiYou appeared first on Ms ZiYou. ...
Posted: Jan 28 2018 @ 12:02 PM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

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