Share Pin Tweet 0 Shares When people get started on the road to paying down debt the main number they focus on is their current debt total and how quickly they can get it lower which is absolutely what they should be doing and it is a very exciting number to see going down, BUT, […]
Share Pin2 Tweet 2 Shares I am super excited to be able to say that I have already smashed one of my March goals, I had aimed to make £100 from Matched Betting this month and I’ve already hit that in just 3 days! Looking back I may have been a little overly cautious with […]
Share13 Pin104 Tweet 117 Shares This felt like a looong (and expensive) month. September was our 6 week paycheck stretch month and thankfully we managed ok! It’s another month where I feel we could have done better with the budget but as it is it wasn’t a bad attempt. These are all fairly self-explanatory costs […]
Share Pin Tweet 0 Shares This is a sponsored post and contains affiliate links Today I want to introduce you to a new app, or rather a new money-savvy little friend…Say Hello to Snoop I don’t know about you but at the moment I’m finding that some areas of my budget are way out of […]
Share Pin17 Tweet 17 Shares Is paying off my student loan a good idea? I can answer that question in two words: It depends. Yep, not the answer you were expecting, sorry. Student loans are tricky. Some people don’t know whether to pay them off or not and some hesitate getting one in the first […]
Share Pin1 Tweet 1 Shares *This post is written in collaboration with Ratesetter We are getting to a stage in our financial ‘journey’ where we are considering our options for investing. The idea of investing can sound complicated and daunting but I’ll let you in on a secret…it’s not really that bad once you get […]
Share13 Pin5 Tweet 18 Shares I did a poll on Instagram last month and asked people if they’d like to see the real life breakdown of our budget (I’d stopped doing them for a while because I wasn’t sure if people really wanted to see it) and it turns out you’re all just as nosey […]
Share Pin5 Tweet 5 Shares This is one of those months where I’m glad we’ve got sinking funds! It was an expensive month mainly due to added costs from the dogs which was planned out already but there was also a bit of overspending in other categories, I say every month that I need to […]
Share14 Pin5 Tweet 19 Shares May was a very good month income wise, it was also a good month for our sinking funds as the extra income meant that we could cashflow more of the garden work! These are all fairly self-explanatory costs but I’m going to explain some of the higher ones as. Here […]
Share14 Pin5 Tweet 19 Shares I feel like March was a bit of a nothing month money wise (maybe it was just a bit of a nothing month in general?) maybe it’s because I don’t feel like I’ve got any big goals to focus on at the moment…am I having an existential money crisis? Is it […]
Share13 Pin5 Tweet 18 Shares It’s been another expensive month what with car MOT/Service, some project work in the garden and me just taking my eye off the ball budget wise in general if I’m honest. I’ve been mega busy and that’s no excuse but luckily we had a good amount come in from side […]
Share13 Pin11 Tweet 24 Shares I don’t know where this month has gone! I also feel like I don’t know where our money has gone this month, I’ve really taken my eye off the ball lately, it’s not caused any disasters but it’s probably prevented some wins in terms of paying off debt. Here is […]
Share Pin Tweet 0 Shares You might take out a loan for a number of different reasons. You might need to do some decorating or DIY work at home. It could be a new car that you need to finance. Maybe it’s borrowing to pay for an unexpected bill. Whatever it is, you need […]
Share Pin Tweet 0 Shares Guest post by Jim from Money Blog Scotland If you are the parent of a newborn or young child you will no doubt have your hands full! It’s a wonderful time. I’m a dad of three myself and whilst they’re all growing up fast, I can still remember the early […]
Share14 Pin5 Tweet 19 Shares I am so unbelievably late with February Budget Report. I’m not even really sure why, I screenshot all the info I needed at the very end of the month and then the next thing I new it was mid-March and I realized I hadn’t written the post! I also managed […]
Share2 Pin8 Tweet 10 Shares I love having something visual to keep me on track whilst I’m chipping away at our Debt Snowball, I like being able to see that I’m making progress even if I’m only throwing the odd pound at it every now and then (because we all know that those £1’s here […]
Share14 Pin5 Tweet 19 Shares Another month, another satisfactory budget report – could be worse, could be better! These are all fairly self-explanatory costs but I’m going to explain some of the higher ones as. Here is our Budget Report for April 2019 Income Charlotte/Dean – This is the amount we both pay into the […]
Share Pin Tweet 0 Shares This can sometimes be a bit of a controversial baby step in the UK as people have varying opinions on if you should help children out or let them financially fend for themselves… Baby Step 5 (BS5) is to start saving for your child’s university or first house This is […]
Share1 Pin Tweet 1 Shares A lot of people find the prospect of looking at pensions and retirement investing pretty daunting. It’s something people (including myself) put off looking into because they are worried it’ll be confusing but putting money towards your retirement is arguably one of the most important things you can do to […]
Share Pin41 Tweet 41 Shares So you’ve committed to not borrowing money again, have got a budget in place and are ready to start kicking debts bum right??…Well, not quite… Baby Step 1 (BS1) is to Save £1000 in Baby Emergency Fund (EF) This may seem counter-intuitive to a lot of people (Martin Lewis says […]
Share13 Pin5 Tweet 18 Shares This month did not go to plan! I’ve mentioned in the past few budget reports that our pay-day was changing this month but in actual fact (and very much long story short) the reason this month and September were looking to be tight is because we were actually, in effect, […]
Share Pin Tweet 0 Shares This is a sponsored post and contains affiliate links I’ve talked in the past about the fact that around 5 million self-employed Britons aren’t saving into a private pension and one of the main reason for this seemed to be because they find it confusing and didn’t know where to […]
Share Pin Tweet 0 Shares This is a sponsored post If you’ve been around here for a while you’ll know that my ethos around money is based on the Dave Ramsey Baby Steps and things like the cash envelope system and Sinking Funds, it works amazingly and it is helping people to get out of […]
Share Pin17 Tweet 17 Shares This step can be the one that people find difficult to keep their momentum up with. We’ve had all the awesome wins from paying off our debt in BS2 and now, Baby Step 3 (BS3) is to save 3-6 months of expenses in EF to make it your Fully Funded […]
