Ms ZiYou UK FIRE Bloggers

Feeling a little patriotic after #RoyalWedding – UK FIRE Bloggers Directory 2018

Following on from my post on which bloggers to follow, I wanted to compile a list of one of my tribes. And with the Royal Wedding even getting this republican to shed a tear, I thought let’s be patriotic and look at UK FIRE bloggers.

A subset of UK personal finance bloggers, FIRE bloggers are people who are charting their progress to early retirement or financial independence. Known by the acronym FIRE – Financial Independence, Retire Early – these bloggers are like me saving and investing a larger than average proportion of their income so work becomes optional in the future. Some of us dream of travelling and adventure, others want to pursue more creative or voluntary pursuits, once we don’t have to work for money anymore.

We’ve all got our own plans to get there, with much variety in investment approaches visible – however index investing and real estate are solid favourites amongst the tribe. Many of us follow the 4% rule, or a more conservative approach, investing enough that we can live on 4% of our total invested assets. Others have real estate holdings that generate rental income which covers their living expenses. On the expenses and spending side, we FIRE bloggers skew towards the frugal, with annual expenses around the £30k mark being common. Blogger to blogger this number varies from leanFIRE (generally <£20k) to fatFIRE (>£90k). And some people are supporting families on these numbers, and some individuals –  the devil is in the detail. [Feel free to debate these numbers, these are just my line the sand numbers].

Diversity of FIRE Bloggers

One of the main criticism of the FIRE bloggers is that we are not accessible or relatable. However I’d recommend having a look through the listings below, and you are likely to find at least one FIRE blogger you have things in common with. I’m including everyone on the journey, from those at the Spark stage, thinking about FIRE, to the majority on the journey, and even a few that have made it to the work optional stage as an inspiration for us (or a cautionary tale of one more year syndrome).

I’ve found the majority of bloggers are male, and there is more than a tinge of misogyny around. And as always, I’ve overlayed my feminist perspective here – feel free to disregard those comments if equality is not your thing.

And if you are thinking of starting becoming a new FIRE blogger to document your journey, please do! We need more diverse people in the community, and for people at all stages of the journey to start sharing their progress and talking openly about money.

People who have reached their number and don’t need to work for money

The Escape Artist
  • He has made it out from his prison camp and retired at 43, now enjoying his freedom.
Young FI Guy
  • He came to FI accidently, but is making the most of it.
Retirement Investing Today
  • Follow RIT’s epic journey of one more year and his plans to find the perfect retirement spot.
Simple Living in Somerset
  • Ermine runs a long-standing blog on living on less and enjoying not having to work – originally in Suffolk now in Somerset.
Somethings Don’t Change
  • Slow Dad shares his philosophy and how he became financially free by 40.
Sex Health Money Death
  • Jim chronicles his early retirement, then his return to the workforce here.
Cracking Retirement
  • Erith retired at 56, and blogs about her investments and enjoying retirement from working life.
Financially Free by 40
  • Huw achieved FI at 34 from kindle publishing and an inherited property. He writes about his goals and progress in  Personal Development, Finance and Fitness.
Dossers’ Diary
  • Meet Jo 46, who has dossing for quite some time now. Mark,52,  joined the party in 2011. Not liking the response when they say they are FI – so they are both dossers,
Money on FIRE
  • Flint is financially independent in his twenties from an online business – showing Tim Ferris’s 4 hour work week principles in action.
FIRE vs London
  • Sometimes I find his blog how the other half live, other times I’m riveted by the alternate investing ideas. Either way, it’s a great read and insight into a high net worth individual.



Ms ZiYou Journey to FI

People – like me – on the journey to FI

High – Very High-income folks (we’re talking > £100k a year here)

3652 days
  • An interesting perspective on high earners, taxes and lifestyle – I agree with lots of his points, but sadly we don’t see eye to eye on the existence of the gender pay gap.
Foxy Monkey
  • Michael blogs about life hacking, and topics such as personal finance, investments, savings and occasionally, career stuff. He aims to escape the day job and retire early in 5-7 years.

More Moderate income folks

Tuppenys FIREplace
  • A captivating story from her journey as a teenage mum, to now trying to find a place to retire to in the UK.
Quietly Saving
  • Weenie is a fabulous role model, a SINK who paid off all her debts at 40 and now aims to retire by 2025, while also enjoying life and drinking good beer.
FIRE the 9to5
  • A 40 something single parent, on track to retire early in 3 years.
Early Retirement Guy
  • Guy graduated not that long ago, and has managed to cram a lot in, travel and buy a house so far. He’s not planning to work for 40 more years, so is saving money while enjoying life.
The Saving Journey
  • 31-year-old aiming to be FI by 45, and blogging from a woman’s perspective on this journey.
Fork My Crumble
  • 45-year-old looking to retire by 50, and on a journey to make it happen.
FI UK Money
  • A married couple in their 40s with 6 kids, aiming to retire in 8 years and also set their kids up on the FIRE path.
Quitting Teaching
  • Aiming to retire before 50 from teaching.
  • Journalling a change from living it up to saving for retirement.
The FIREstarter
  • Long-standing FIRE blogger on a journey to FI on a moderate income.
The FIRE Engine
  • A healthcare professional looking to save funds for future sabbaticals or part-time working to pursue adventures and expositions – a noble goal.
My Deliberate Life
  • 32 year old in Northampton journaling to FI and deliberate living.
Little Miss FIRE
  • Making the first steps towards FIRE, and blogging the process.
The FIRE Shrink
  • DINKs in their 30’s working towards financial independence.
The FI Journey
  • Chris shares his thoughts, ponderings and feeling about my journey through Financial Independence and life in general.
Cashflow Cop
  • A serving police officers, documenting his way to FI.

Can we grow the UK FIRE movement?

As you can see above, there are many different UK FIRE bloggers, and I hope you can find someone that you click with. I’d also encourage you to read a few bloggers where your opinions differ and use as an opportunity to learn from another perspective. You don’t have to agree or change your stance, but just listen to the journey from their walk in their mocassins.

I always take the opportunity to aspire to people ahead of me on the journey. I use this as a way to understand their challenges and wins. Then I can use them as learning for myself and my journey. Hence I can be more prepared when I get to their stage of FI. And as a committed feminist, I also feel it’s critical I also provide encouragement and give support to those following behind me. We’re all on the journey together.

Over to you

  • Have I missed any UK FIRE bloggers?
  • Do you follow many other UK FIRE bloggers?
  • Do you like to follow people at the same stage of the journey as you?
  • What level of expenses do you think is leanFIRE/fatFIRE in the UK?
  • And the average FIRE blogger expenses?


Thanks for reading – please leave a comment below and join in the conversation. You can also connect on Twitter or Pinterest.

Looking forward to your thoughts and ideas – all are welcome. 


36 comments on “Feeling a little patriotic after #RoyalWedding – UK FIRE Bloggers Directory 2018

  1. I like to follow both other UK bloggers and some of the big US FIRE bloggers (e.g ThinkSaveRetire, ESIMoney and Our Next Life) to get a good mix of styles, information and inspiration. There’s a couple on your list I haven’t checked out yet so thanks for listing.

    We are aiming for leanFIRE and that is around the £20k mark, for 2 people. Our income will increase as pensions kick in to the point where SRP kicks in and we will be feeling very flush. FatFIRE for me would be around £50k but that’s probably because I’ve never earned anything like that.

    I find RITs monthly expenses/budget pretty amazing. Given he has a family, rents and earns an absolute fortune, to only spend what he does shows fantastic control. I don’t think many other FIRE bloggers are that low, probably around the £25k.

    I love the fact there is a growing number of female FIRE bloggers. Go back a few years and it was totally male dominated. Women seemed to concentrate on the frugal, mom blog style – which is not my style. I might be a Mum but I always worked full time for more reasons than just financial!

    PS. Thanks for including me!

    1. Hi Tuppeny, that’s another great advantage of the UK, as well as the NHS, we’ll get a state pension if we’ve paid in enough (and they don’t change the rules before we get there).

      And + 1 on more female FIRE bloggers, the more the merrier in my opinion.

  2. Thanks for this comprehensive list! My own reading definitely skews towards female FIRE bloggers, mostly from the US (unsurprisingly given there are so many more there), but I’m definitely trying to add more UK bloggers to mix.
    As for the royal wedding, I almost completely forgot about it until my Thai sewing instructor mentioned it yesterday. I tuned in via the BBC just in time for Michael Curry’s sermon, and was really quite touched by the whole thing (as someone who generally hates weddings). And the weather just looked gorgeous – 21 degrees versus the 35 or whatever it is over here right now… So feeling a tad homesick this weekend!

    1. Hey Mindy – yes, there are many more people, and women in particular blogging about FIRE in the US….. is it just the larger country, or more culturally acceptable?

      And that’s hilarious how your Thai sewing instructor mentioned the wedding! And yes, the weather is actually quite nice here now….

  3. Hi

    Thanks for including my blog in the list.

    There are some great UK based FI blogs and the number seems to be increasing.

    A few others I follow not on your list include Simple Living in Somerset, Finance Zombie and Organised Redhead. Although Finance Zombie and Organised Redhead seem to have gone a bit quiet lately.

  4. It’s very nice to see the whole FIRE movement on fire here in the UK. A few years ago one could find only a few blogs and now the wave is growing day by day.

    Reminds me of a post I read in the past: “What if everyone became FI”? Which, of course, will never happen given the greedy nature of us, humans.

    PS Yes, you missed someone 🙂

    1. Hi Michael – will get the list updated :).

      Yeah, a key tenet of FI is that most people keep consuming to fuel economic growth, which does feel a little hypocritical to me.

      1. I’m not 100% sure that’s the case though, Ms ZiYou. Indeed, FI requires economic growth to support the investments side, but if everybody became FI then the volume of goods and services we would need should be much lower. Therefore, even small growth would deliver good enough results.

        That’s a great idea for a blog post.

        Thanks for adding me!

        1. I agree Michael – there are a lot of hypotheticals there in my argument, and I’m not sure we could ever model it.

          If the Bank of England and their world-class team can’t accurately forecast the economy for a year, I’d say it’s too complex to forecast. [Or I could say we might want to try not staffing with 100% white men, and get a bit of diversity of lived experiences there].

  5. At first I thought this was a great idea Ms ZiYou… then it occurred to me that you had included me on a list of inaccessible un-relatable misogynists FIRE bloggers! 🙂

    Inaccessible? I accept that, I blog anonymously after all.

    Un-relatable? This is a matter of perspective. Not everyone is raising a couple of kids in central London while (attempting to) live the good life… hopefully most people are far more sensible than that!

    Misogynist? I pride myself on discriminating against everyone equally… unless they are dickheads ( or worse: Queensland state of origin supporters [shudder] ).

    Financially Independent? Tick.

    Early Retired? Sort of. Once a person reaches FI then retiring (early or otherwise) becomes one of a great many choices available to them. To each their own. Personally I’ve adopted a seasonal working pattern, hibernating in a nice warm client office solving fascinating tricky problems during the cold winter months, then chilling out doing my own thing the rest of the year.

    Thanks for thinking of me!

  6. Hey Ms ZiYou

    Thanks for including my blog and thanks for the kind words about me being a role model! 🙂

    I’ve mentioned previously that I tend to read mostly UK FIRE blogs, although I do also follow a few outside the UK, eg US, Australia and Canada.

    Lean FIRE for me would be around the £15k mark but it wouldn’t be a very comfortable life, although I could probably live like that for a short while, if say, the markets tanked and I wanted to preserve my cash. Fat FIRE would be anything over £25k. I’d say I’m aiming for something in between the two, so Medium FIRE!

    It’s been great seeing more female FIRE bloggers but I’m with Tuppeny – there are plenty of blogs by women out there, but they’re not really writing about stuff I’m interested in.

    Anyway, here are a few UK blogs which you might want to check out (none by women though!): – Huw became FI by 34. He has organised several UK FIRE meetings, though not sure he has the time or inclination to do any more. – striving for FI from a policeman’s point of view – IT guy in early 30s aiming for FI – millennial (under 30) aiming for FI

    I believe the London FIRE crowd are organising another meet/gathering in June, if anyone’s interested so the ‘movement’ is definitely growing in the UK.

    1. Thanks Weenie for more blogs to add – there are always more voice to bring in, please keep them coming.

      And yes, you are absolutely a role model :).

      And yes, lots of female bloggers tend towards mommy blogs, or more about penny pinching and discounts on purchases, that I’m not really into either.

      Yeah, I’ve heard there is a London meetup in June – I’m on the fence about re-arranging plans to attend, I get the impression it will be a very masculine affair – please convince me it isn’t!

      1. ” I get the impression it will be a very masculine affair” – all the more reason for you to gatecrash their party? 🙂 I’d attend if I was in the area!

          1. Haha – shame – you attending and being the only female there would have made a great post… 🙂 By the way, I don’t know for sure but I would say that Fire in London is probably in your category, ie High – Very High-income folks? Just trying to read between the lines as he doesn’t post his exact numbers.

          2. I’m sure there are women that attend …….. but they may tend towards people that don’t believe there is a gender pay gap.

            Yeah, I think you are right there and FIREinLondon may need promoted to the High-income group – I think I wavered over it, as it wasn’t called out exactly.

    2. Thanks for the link Weenie, I see I’ve since been added and followed!

      I guess I probably need to update my About Me bit, given it’s mainly from my perspective, and MrsFireShrink is more just a frugal person than actually aiming for FI.

      Nice to have a directory to look at, definitely a few on here I wasn’t aware of!

  7. Hi Ms ZiYou

    Thank you for this post – there are a few blogs here I hadn’t found so will check them out. And thank you for including me!

    I would say lean FIRE would be under £20k / FIRE around £25k / FAT FIRE £35k+

    Until recently, I hadn’t really distinguished between UK or overseas blogs – I just read whatever interests me and what I can learn from. But lately I’ve found the UK blogs in a similar position to mine to be comforting in a way. The more similar stories you read, the more you realise that this is achievable for me – at my stage of life – and here in the UK.

    1. Hi Firethe9to5 – great to see you here. And I like your scale for FIRE levels; everyone seems roughly aligned for LeanFIRE, but fatFIRE we all differ widely!

      I also read lots of overseas blogs, but then I get a bit upset we don’t have as flexible a tax policy, and there is no way we can get our pensions out early, which means early retirement needs much more careful planning.

  8. Here’s me thinking I was one of a few UK FIRE bloggers! Silly me… I’m not quite sure where I would fit on that list though… I am Financially Independent from an online business I created that takes minimal work, but I’m way to young to call myself retired! More importantly I found your blog from a comment on of the other blogs on the list and am very excited to have found a feminist FIRE blogger, look forward to staying up to date 🙂

  9. Hi Ms ZiYou,

    Great list – I even found some blogs I hadn’t heard of yet. This is exactly the reason we started – to help people in the FIRE community to find each other. I’ll add the blogs from your list that we don’t already have on our blogroll. Once I do there will be 40 UK blogs in all on FIREhub – head and shoulders above the other countries (Germany is next with 30). It’s lovely to see more and more blogs appearing – The Canny Contractor is visiting us at the moment and he commented that the FIRE scene here in Europe seems to be taking off like a Calefornian wildfire!

    Here are the blogs we have on our blogroll that aren’t in your list:

    Compound Your Freedom:
    Dividend Life: (British guy living in the US, so most content is US-based, but check out his UK Dividend Champions page)
    Early Retirement in UK:
    How To Save Cash:
    The Canny Contractor:
    The Frugal Cottage:
    There’s Value: (inactive but the existing content is valuable)

  10. Mrs ZiYou – belated thanks for the great list and including my blog.

    Technically speaking you have possibly got me in the wrong category as I don’t need to work for money. However I do have expensive tastes (Dream Homes, etc) and working helps me feel I can afford them! But I don’t feel I have reached my number yet, and am enjoying the continuing journey.

    Loving your contributions to the journey so keep up the good work.

  11. Loving your updates which are very inspiring. Congratulations on reaching the magic 25x; It’s a huge achievement. Also, great list of U.K. blogs. I have only recently started and set up a Uk blog myself as I couldn’t find any; clearly I wasn’t looking hard enough. Weenie introduced me to your blog.

What do you think?