{in-deed-a-bly} header

{in-deed-a-bly} – Having enough and Viognier – #ukpersonalfinance

Ms ZiYou UK PF BloggersI am so happy to introduce to you a new series here on Ms ZiYou, Let’s meet UK Personal Finance Bloggers. And to kick off the series please welcome {in-deed-a-bly}.

He has the prettiest blog for a male blogger, and as he admits to being an Ovarian Lottery Winner, I thought he’d make a great guest.

As they say, keep your friends close … and erm … I’ve forgotten how it ends?

Handing over to {in-deed-a-bly} – About You & Your Blog

Please introduce yourself and your blog

Greetings readers!

Today Ms ZiYou has grudgingly allowed me to hijack her wonderfully insightful blog. If I have correctly understood the tone and the politics of this blog, then I am the devil … a representative of the silent majority: white, prosperous, educated and worst of all male!

While the feminists amongst you light your bonfires and sharpen your pitchforks, allow me to introduce myself. I hide behind the pseudonym {in-deed-a-bly}.

Coincidentally that is also the name of my new, and largely undiscovered, blog over at indeedably.com.

I was

Ms ZiYou Note: the graphic design is awesome – understanding of feminism, maybe less so.

How would you describe your current stage of life?

Fortunate and contented.

I have reached the point of having “enough”, which affords me the wonderful luxury of controlling how I choose to invest my time. That makes me wealthy, despite being far from rich!

What are your personal values?

I am a big believer in people helping themselves.

Investing in themselves to improve their own lot in life.

Owning their decisions. Holding themselves accountable. Constantly seeking to learn what worked, what didn’t, and what could be done better.

Always doing their best work. This creates a good reputation, which opens doors and creates opportunities.

Treating others as they would like to be treated, and remembering that it doesn’t cost anything to be nice.

Tell us about the challenges you have overcome

It is the challenges we face that define the people we become.

I am a husband, a father, a boss, a business owner, and a migrant. While all those roles involve overcoming frequent challenges, I am both mindful (and very grateful) that my own challenges are trivial when compared to the daily challenge for survival faced by many people.

How do you keep fit?

I run. Once I was fast: growing up playing rugby with a bunch of giant Polynesian kids incentivised speed, the alternative was being comprehensively destroyed in tackles. Now I am slow.

More often I walk, a lot. My kids describe it as getting lost. I call it exploring!

Tell us your favourite drink?

While I can still catch them, I play with my children. This often results in my seeking out a bucket of coping juice afterwards, preferably a nice Viognier.

UK Society & Media

How do you get your news?

I read widely and often, sharing those articles I find interesting.

I read

I seek out a variety of opinions about the topics I am interested in, to constantly challenge and better inform my own understanding.

One thing I find instructive is reading foreign media coverage of local issues, for example, the Guardian’s coverage of the ongoing Australian royal commission into financial services malfeasance, or the Washington Post’s perspective on Brexit. I find this tends to provide a more balanced coverage of the issues, as the foreign media is less subject to local political influence or business agendas.

What do you think about education and university nowadays?

Education is an investment decision. When used effectively, a good education is one of the best ways a person can invest in themselves to maximise the value of their time.

As with any good business decision, it should be both data-driven and well informed. This includes conducting a cost/benefit analysis, to determine whether the value derived from the course can justify the tuition fees incurred. Many university degrees fail this test.

I think there is great value in the low-cost, “just-in-time” learning offered by the likes of Youtube, Pluralsight and Udemy.

And the UK housing market – what are your thoughts?

Any property purchase is a significant investment and should be treated accordingly.

A persons rent or buy decision should be informed by a rigorous cost/benefit analysis. Often times the optimal financial outcome will be for a person to rent where they desire to live, while investing elsewhere in locales where the numbers make more sense.

A house at the end of a long commute may appear “cheaper” initially, but this is often an illusion once you factor in the value of the vast numbers of hours you will spend on delayed trains or stuck in motorway traffic. That is time you can never get back!

Please share your top 10 blogs you follow with us.

A good blog consistently provides interesting content, great writing, or ideally both. Here are some of my favourites in a handful of categories.


• Morgan Housel @ Collaborative Fund
• Shane Parish @ Farnam Street
• Paula Pant @ Afford Anything

Financial voyeurism

• Anita Dhake @ The Power of Thrift
FIRE v London
Retirement Investing Today

Long form

• Lawrence Yo @ More To That


• Ben Carlson @ A Wealth of Common Sense
• Nick Maggiulli @ Of Dollars and Data

Ms ZiYou Note: mmm …. mainly man bloggers.

On reflection having a look at the list above, do you have any thoughts?

As a member of the patriarchy evil empire, I am obligated to discriminate. I’m pretty sure it is the law.

I take these duties very seriously, so I discriminate against EVERYONE. Equally.

Unless they are dickheads. Or Queensland State of Origin supporters!

How do you feel about privilege in the UK?

Nobody gets a say in where they are born or who their parents are. Some people are more fortunate than others in this regard, but nobody should have to apologise for their origins … or use them as an excuse to justify underachieving.

For mine, it isn’t where you start out that matters, but what you make of the opportunities you encounter. It would have been lovely to have been born a Gates or a Rockefeller… but we value what we have earned far more than what we may have been given.

Money Advice

What financial advise or suggestions would you give readers?

As a lapsed accountant and a non-practising financial planner what I know is this:

Choose carefully from whom you seek advice. If they aren’t personally successful in the domain in which they are offering guidance, then move swiftly along. Everyone will have an opinion about what you should do with your money, and most will be rubbish.

Ensure you clearly understand how the person providing the advice is benefiting from providing it. Sales commission? Brand building? Page views? Ego? Jealousy?

Parting Words

I am a big fan of the Personal Finance aggregator sites like Campfire Finance, FireHub, The Money Mix, and Rockstar Finance. These provide a great way to discover alternative opinions and new voices.

Finally, I’d like to say a big thank you to Ms ZiYou for having me visit her site. I’d better run, before they take away my patriarchy membership for appearing on the UK’s best “Feminist FIRE” blog.

I can be contacted at indeedably.com or on Twitter. Please be gentle!

Ms ZiYou Back Here

Thanks for sharing {in-deed-a-bly} – it’s actually been a very interesting read for me. While there are many, many things we agree on there are others where we take a different approach.

And I firmly believe variety and diversity are good for all, so I’m happy to have you here giving my readers an alternative perspective.

If you blog about money in the UK and would like to be featured on Let’s meet UK Personal Finance Bloggers – please get in contact.

And as always, it’s over to you – what are your thoughts after hearing from {in-deed-a-bly}?


Thank you for reading – please leave a comment below and join in the conversation. You can also connect on Twitter or contact me privately.

31 comments on “{in-deed-a-bly} – Having enough and Viognier – #ukpersonalfinance

  1. Very interesting read! I am in {in-deed-a-bly}’s camp (somewhat educated, white male)…or am I? (far from the point where I have enough..and I am not into white wines)… anyway, I share many of his values, like the opinion that people (those who have the resources, and I don’t necessarily mean money) have to own their decisions and hold themselves accountable.

    Oh yes…and I am absolutely blown away by the aesthetics of his blog! Did I notice a hinge of envy in me? … No…I feel inspired I would say. And also by your blog ms ZiYou!

    1. See even I am very similar to in-deed-a-bly in many ways – I also like white wine :).

      And yes, his graphics are so awesome and inspiring.

      Thanks for your kind comments 🙂

    1. A minor miracle, I escaped with all my fingers and toes still attached!

      I won’t drop my guard just yet though, it is possible the matriarchy hired assassins are still out looking for me. Apparently Suze Orman is their leader!

  2. “Choose carefully from whom you seek advice” I totally agree with this. My dad always said don’t take advice from someone in a worse position then you. For those on the FI path, we are often wealthier and more educated then those providing the “advise”.

      1. And, in my view the worst offenders in the ‘eat your own dog food’ school, are pretty much all the investment bankers I have met. I don’t believe any of them parks their wealth in financial products – even stocks/shares. They blame Compliance, but they don’t seem very upset about the restrictions they are under.

  3. Gosh, I’ve just completed my questionnaire and after reading indeedably’s eloquent answers, I feel like the kid who’s sat the wrong exam! Let’s just say different styles…

    Thanks for hosting these questions Ms ZiYou, and agree, indeedably’s is the prettiest blog out there!

  4. Never mind all this FI stuff 🙂 , now that Indeedably is too far from home to watch the Canberra Raiders or NSW, does he have a team in Europe to follow ?

    1. Lol Cer4t0n1a!

      A couple of years ago I did the North London half marathon, which had its half way point in the Saracens home ground. The ground staff did this cool thing where as each runner entered the stadium they put their name up on the big scoreboard, along with some encouraging words. It was very motivating!

      Of course they did a similar thing at the finishing line inside Wembley Stadium, showing video footage of each hot sweaty shattered runner up on the big screen as they crossed the finishing line. Which was nice too, but as I’d finished the race by then it didn’t leave quite the same impression.

      Anyway I took my elder son to the Saracen’s ground not long afterward to show him where I’d run, and we caught a home game while were there. It was a cracker! He wanted to go again a couple of weeks later, and we saw another good game.

      Since then I’ve kind of followed the Saracens, but I must confess it lacks the same tribal feeling of cheering on a team you were raised with.

  5. So you’ve changed sport as well! I did follow the NRL from afar for quite a few years, before deciding it wasn’t the most productive use of my time. I was lucky to see some Canberra greats like Mal Meninga, Chicka Ferguson etc. in their prime.

    There does seem to be quite an overlap (in the UK anyway) between running and FIRE – seems like a majority of UK fire bloggers run.

    1. Running is free, apart from a decent pair of trainers there is no further financial investment required.

      Compare that to a gym membership, the pamphlet the lady was distributing outside Cannon Street last week advertised a “full flexi monthly” membership of £205 per month!

What do you think?