It’s January and if you’re thinking that what you want to achieve this year is ‘I want to be debt free’ then read on for my tips. Usually, after the Christmas blowout, everyone is super motivated to live their best life. But when reality hits, it’s so much more difficult to implement your goals into…
My Goal Budget
My budget before starting to pay off debt was pretty terrible, as were my budgeting skills. I have a degree in Business with Personal Finance and a lot of my studies were focused on financial advice, which is could easily give, but following that advice was a whole other story! So while I…
Give the Gift of Experiences this Christmas
Christmas always feels really chaotic for me; everyone is so frantic and stressed, there is a huge focus of consumption and so much pressure for everything to be perfect on the big day itself. In the past, I have always went above and beyond to think up amazing gifts for my friends and family, and…
My December Goals: Make it a December to Remember
When I decided to pay off all of my debt in one year, it took me a while to realise that I needed to break this mammoth task into monthly chunks. Every month, I write a list of goals, most of which link into my debt free goal and some that are just there to…
Black Friday: I’m Opting Out!
Considering we don’t celebrate Thanksgiving in Belfast, you wouldn’t think we would be affected by Black Friday either. However, as I walked through Victoria Square yesterday, the shops were frantic with Black Friday pre-sales. Apparently, a pre-sale is a thing now. Who knew? This year, on my debt free journey, Black Friday could have went…
Grocery Shopping: How our £400 budget became £200(ish!)
My partner and I don’t like to eat; we love to eat. Eating is our passion. Eating, not even exaggerating, is central to our relationship. We look forward to coming home every night to a proper dinner, we’ve swapped our Saturday night ‘where to’ to ‘what’s cooking’ and trips abroad are meticulously planned around TripAdvisor restaurant reviews….
How to Set a Basic Budget
When it comes to debt, budgets are life. Before tackling my debt, while good with setting my budget, I wasn’t so great at sticking to it, largely due to temptation- but that’s a post for another day. If debt freedom is your goal, it is important to set a budget, made as simple and realistic…
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