Living the good life on a budget.
When looking at spending categories within your budget, it can often be quite easy to over look things, especially if the costs are relatively small. Categories such as your mortgage payment of rent, council tax and electric are bigger, important payments that happen every month and so are easy to remember. But what about the…
Paying off debt, increasing savings and aiming for early retirement generally have one thing in common: time. In fact, they all require, in the majority of cases, a long time to complete. Some journeys are going to be shorter than others, but they all require planning and dedication to sticking it out over the long…
A phrase I keep seeing around the personal finance blogsphere is the “pay yourself rule”, especially when relating to financial freedom and early retirement. Both of which is what we are aiming for, so it’s important to know what this rule actually is! The pay yourself rule is nothing to do with earning money,…
Ever since I can remember, I have been an organiser. I make lists, tick off things, file things and sort things into categories; organising aspects of our life makes me happy. I used to love the start of term at school, when you could buy your new pencil case with pencils and pens, a new…
Food shopping is a cost that every single household faces, whether you’re a single person, a family of four or a newly married couple. Food budgets can vary massively from household to household, but there is one problem that all households are facing, and that’s the rising cost of food. Food is a basic human…
Hello everyone! Today’s post is a guest post written by Brian who blogs over at Debt Therapy Scotland – please visit his site for some good tips on managing debt. Enjoy! Learning to live frugally so that you get the most value out of your money is a great thing to do, whether you…
This one very simple and easy change to your household bills will result in savings of over £400 a year, just by taking a small break from your regular routine to check one thing, then compare your spendings to what you could be spending by using a different company. The thing I’m talking…
Although having pets can be an absolute joy, there are still costs associated with owning a pet and ongoing costs can add up over time. The expense of owning a cat or dog can run into the 10s of 000s over their lifetime, so it is important to make sure that you are getting the…
I have made no secret that part of my dream is to retire early and achieve some kind of financial independence, so that me and my husband can escape the 9-5 life and make our time our own. Now, saving for retirement is something that we all know we should be doing, but what kind…
Last time I checked in with an update about my working week challenge, it was the end of Week 5 and the challenge itself was proving to be an eye opener. Most of the time, I was doing great, but there were a couple of slip ups thrown in there for good measure. …
