Hi there, I’m Nicola and the owner of The Frugal Cottage, an award winning personal finance blog. Thanks for stopping by!


Are you fed up with having no money left at the end of the month? Perhaps you’d like a better standard of living but are on a budget? Then you’re in the right place! I want to help you live the good life on a budget, to make the most out of your money and to have a good time along the way.


I’m a 20-something girl living in the North of England, UK. My day job is within the education sector and I live with my lovely husband, one Frugal Baby and two cats in a house we’re lucky to call home. The main thing that is the focus for our everyday life is outlined in my Ultimate Dream post, which I read regularly to keep the goals in mind. Me and my husband met in 2009, got married in 2012 and bought our first house together at the end of 2012. We managed to save up a good house deposit by making sure our budget was secure and by paying ourselves first. We’re also aiming to pay off our mortgage (sort of) early which will help us in our financial goals.


I’m also a massive food fan, and am constantly looking to add tasty, frugal recipes to my collection. I also bake quite often as I enjoy it! Check out one of my favourite recipes, Lemon Drizzle Cake, for an easy, tasty weekend bake. We try to keep our food budget low, but we eat well for less. Our grocery spends are only part of our budget, which we keep an eye on careful over the month. I spend a lot of my free time reading various finance and lifestyle blogs. I also like reading “proper” books and spending time outside, whether that’s walking or sitting in the sun.


I’m hoping that this blog will educate and inspire others in the world of finance, and hopefully will be a tool for me to see our progress as time passes. I want to show people that living a more simple life, being content with less and enjoying life more is possible on a budget. I want to show that you don’t have to conform to society’s view of “normal” and that creating experiences and memories is a better way of life. I have big plans for this blog too, which you can see here!


Please join me on my journey, to financial freedom and living the good life on a budget. I’m here to show you that it can be done, whatever the budget, and that you’ll be much happier with a more simple life – we can inspire each other!


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