Back when I was in £16,000 of personal debt, I was a closeted shopping addict who loved to spend away the blues. My wardrobe was stuffed with clothes, bags and shoes, yet I felt like I wore the same few items on rotation, and I hated getting dressed in the mornings because piecing together an…
How To Cut the Cost of Your Christmas List
This post is sponsored. Last Christmas, we went to Berlin, we were making huge debt overpayments to as part of our goal to pay off £16k in a year and we also had the expense of the big day itself. To say our budget was tight was the understatement of the year! Even though Christmas…
My November Goals and October Round Up
I can’t believe we are planning our November goals- 2018 has flown! How has 2018 been for you? Are you on track to make your financial goals happen, or struggling to turn plans into action? Either way, we have two more months to make it count. If you are looking for inspiration, start with a…
When Social Media is Bad for Your Bank Account…
We use social media every day, but have we ever considered the affect that it has on our bank account and debt? In the past, social media had a huge impact on my spending habits, and I believe that it was one of the main reasons that I ended up with £16k of personal debt….
Long Term Matched Betting Profits: My Strategy
Long term matched betting can be just as profitable as those early days of easy sign-up offers. Matched betting is a great ways to make money and I see it as a part-time job. The money is good, you work from the comfort of your sofa and choose your own hours. But how do you…
My September Round Up and October Goals
I love October; sweater weather begins, along with cosy feels, hot drinks and long walks, Netflix binges and Hallowe’en to round it all off. Since we became debt free in July, keeping on track with our financial goals has been tough, mainly because we’ve shifted our perspective from debt to saving. Now that we are…
Five Ways To Save Money on Groceries
A little over one year ago, our grocery bill was HUGE. We easily spent £500 per month on food, including takeaways. To add insult to injury, our diets were poor, our bad planning meant we spent a lot of time shopping, and we wasted a lot of food. However, all of that changed when we…
Five Bad Money Habits… and How to Fix Them
I’m a Dave Ramsey UK based follower, I’ve learned from the big guy since I started paying off debt. Pre-debt payoff, I had a lot of bad money habits. Once I changed my behaviour, managing my money became a lot easier. As a Dave Ramsey UK enthusiast, I get a lot of value from his guidance…
My August Financial Round-Up and September Goals
When it comes to goals, I love the promise that comes with a new month and this is particularly true with September. It’s the start of a new season and with the Summer festivities out of the way, it gives us the chance to refresh our goals and really hit the ground running to achieve…
How To Stick To Your Budget
Sticking to a budget is the hardest thing we’ve had to do in paying off our £16k debt. Most people know how to draw up a budget (but if you don’t, here’s my guide), which is the easy part; figuring out how much your bills are and how much you think you’ll spend is more…