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Ditch the Cave
FIRE, budgeting, happiness, early retirement, life hacking, contentment, financial independence
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United Kingdom
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DIK (Dual Income, Kids)
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Latest Blog Posts

Investing in rental property. Easy money, right? Put down a deposit. Get someone else to pay off your mortgage. Enjoy a steady income of effortless income every month. That’s even before you think about the returns from the property rising in value. That’s been the narrative for years. While the dream may have been tarnished… The post Investing in rental property. Why I hate the idea. appeared first on Ditch the ...
Posted: May 16 2019 @ 3:45 AM
OK I’m going to put up front that I think that I’m going to come across as a bit of a tool in this post. More than a bit actually. Today is all about why I would really like to lose my job. I know. What a privileged, oblivious, idiot. For most people losing their… The post Why I would love to lose my job appeared first on Ditch the Cave. ...
Posted: May 09 2019 @ 3:45 AM
Hello everyone and a belated Happy Easter to you all. Did you miss me? What do you mean that you didn’t notice I was gone? Ouch. As you may have deduced from my last post I’ve been on holiday this month. It was brilliant, but I didn’t forget about you lovely people. I had three… The post April 2019 update: The one that’s all over the frickin’ place appeared first on ...
Posted: May 02 2019 @ 3:45 AM
The crowd was so silent that we could hear a gull calling overhead. Tension scrawled across every face. Our final player stepped up and, without hesitation, struck. The disc slid across the deck and landed on a seven. We threw our hands up in the air. The victorious shuffleboard player walked over to the kids. … The post “Do you want an inheritance or do you want a cruise?” Can money buy ...
Posted: Apr 26 2019 @ 4:15 AM
As Nina Simone almost certainly meant to have sung: “It’s a new dawn, it’s a new day, it’s a new tax year for me….and I’m feeling good.” Ah yes April. The beginning of a new tax year. Empty tax-exempt saving accounts like ISA’s waiting to be filled, new pension allowances just begging to be used,… The post In praise of paying tax: A personal polemic appeared first on Ditch the Cave. ...
Posted: Apr 19 2019 @ 3:45 AM
It was the morning of Friday the 24th of June 2016. I can place it precisely as it was the day after the UK had voted to leave the European Union. My emotions were all over the place: Sadness, fear but also something that may have been tendrils of excitement. But I had to put… The post When I grow up: My hopes and fears when I achieve financial independence appeared ...
Posted: Apr 15 2019 @ 3:30 AM
It was the middle of a typically boring afternoon, in the middle of a typically boring day, in the middle of a typically boring week at work. My mobile rang. It was a headhunter who’d been chucking me a series of, frankly, uninteresting opportunities over the last year. My instinct was to hit reject but,… The post External networking: How to get your introverted mojo on outside your organisation appeared first ...
Posted: Apr 10 2019 @ 3:45 AM
Ah Spring. As I write this the clocks have just changed so the days are getting longer. Everywhere blossom and daffodils are exploding into bloom. The sun is shining, and Easter is just round the corner. Frankly you can’t turn around without the sap rising somewhere. And, in the middle of all of this, I’m… The post March 2019 update: The one I wrote the morning after a stag weekend appeared ...
Posted: Apr 04 2019 @ 3:45 AM
“Have you ever climbed a mountain?” I looked up as Nimit posed his question. It was Madrid. About 10pm on a beautiful Iberian night. I was in my second year as a management consultant and I’d been sent to Spain to help an internet start-up. As was pretty typical for our company it was a… The post An M-Shaped life. Unlocking career success and Financial Independence appeared first on Ditch the ...
Posted: Mar 28 2019 @ 4:47 AM
I love my kids. There’s nothing I wouldn’t do for them. When I get home after one of those days when nothing has gone right they’ll always put a smile on my face. How do children just mange to stay unfailingly cheerful even when I’m walking about with a black cloud over my head? Turning… The post Making a million. Why savings for kids is a terrible idea and why I’m ...
Posted: Mar 21 2019 @ 4:44 AM


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