Living the good life on a budget.
Me and my husband have got various savings goals at the moment – some short term and some more long term – and I think it’s very important to have savings goals. We’re currently looking at re-doing our bathroom as it needs completely gutting and done from scratch as the previous owners did a DIY…
My Grandma is a very money-savvy woman. I like to think that I get a bit of my money know-how from her, because as far as I can remember, she’s been good with money. Her and my Grandpa have a comfortable retirement, which has only been made possible by my Grandma’s careful money management. …
So, following on from the last two budget posts, How To Make A Budget and 3 Easy Ways To Stick To A Budget, I thought it would be good to share our budget and how it works for us. Plus, I’ve done two different budget templates on Google Docs which I’ll share with you too…
After writing a post on Tuesday about how to make a budget I thought I would do a follow up post on how to stick to your budget. Budgeting is such an effective tool if used correctly and in a way that suits your needs, but sticking to it may be the hard part. 3…
This post is a how-to on a budget. How to make one and how to work out what will work or not. I’m a massive fan of budgets. I know there’s people out there who don’t have a budget, but I’m definitely not one of them (Is now the time to admit I do a…
One of the worse mistakes I made whilst I was at university was to run out of money. I had a budget for the term and I ran out. Seeing the £0.00 balance in my account was a very scary thing. I had savings in another account, locked away, but I didn’t want to use…
Now, this is a topic where a lot of financial people would say that we’re doing it wrong, but this is our take on mortgage overpayments and financial freedom. We’re overpaying our mortgage and aiming to pay it off early. Sort of. We first got our mortgage in December 2012 and, for the majority of…
One of the easiest ways for most households to cut back on their spends is to look at their grocery budget. The weekly food shop can be an area where budgets can often be broken because temptation can get in the way. Supermarkets are clever at persuading you that you need stuff! I’ve got 5…
Meal planning/menu planning can be a subject that people disagree on, but I’m firmly in the camp that does meal planning every single week. In my mind, meal planning benefits your health and your wealth. Now, the way that meal planning works in our house is in 3 steps: 1) Check what we have…
We were first time buyers when we bought our house in late 2012. It took a lot of savings to get a decent house deposit together so that we could buy the house we wanted. We didn’t want to borrow the maximum amount the bank would lend us because we didn’t want to stretch ourselves…
