How We Went From £16,000 in Debt to Living Debt Free in a Year It’s been two years since we started living debt free, and life in those two years has been wonderful. No credit card repayments, no loans payments hanging over our heads, and goodbye, car finance! The question people ask me most frequently…
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The Dave Ramsey Baby Steps- UK Version
The Baby Steps plan by Dave Ramsey is a step-by-step guide to transform your finances. Using the Dave Ramsey philosophy, followers will learn how to save for emergencies, get out of debt, build savings, become mortgage free and eventually go on to build wealth and give. While the Baby Steps are simple to follow, they…
Seven Things That Help When You’re Struggling With Budgeting Burn Out
Struggling with budgeting burn out? I know the feeling! It’s been over two years since I started paying off debt, which required a complete overhaul of my finances. We officially joined the debt free club in July 2018, paying off £16,000 in one year. Budgeting has since become a way of life. In truth, I…
Eleven Things I Stopped Doing to Pay Off Debt
Here Are Eleven Things I Stopped Doing to Pay Off Debt… When I decided to tackle my debt, I put together a plan of action of all the things I needed to do. But then I quickly realised that I needed to address my bad habits, in addition to building better ones. So then I…
Are You Paying Too Much Busy Tax?
What is Busy Tax? I mentioned “Busy Tax” on my Instagram page a few months back and the response was overwhelming. As it turns out, we are all familiar with it, guilty of paying it, and want to cut down on it! So what exactly is Busy Tax? Busy Tax is the premium you pay…
Debt Free Journey : The Top Ten Mistakes
It’s almost been a year since we completed our debt free journey by paying off £16,000 in one year. Even though we are debt free, helping others on their debt free journey has become a huge part of my life. And I love following the debt free community on Instagram, and keeping up with everyone’s…
My First Time Home Buyer Tips to Avoid Debt
…From Someone Who Made Every Mistake in the Book! I’d like to think I’m a little bit financially savvy. I’m debt free. I recently had a debt free wedding. I’m the author of a book that will get you out of debt. And I have a few first time home buyer tips to avoid debt….
Why We Decided To Have a Debt Free Wedding…
…and how we tied the knot! When my (new) husband and I decided to get married, we knew one thing for sure: we wanted to have a debt free wedding. After paying off £16,000 of debt in one year, sticking to a wedding budget was high on our list of priorities. When we first got…
How Did You Get Into Debt: Click Here to Read
How did you get into debt? It’s a simple question, with a not-so-simple answer. For many of us, debt began when the money we had didn’t stretch to the life we want. Whether our debt was born out of necessity or frivolity, debt has now become the norm in the UK. Now, the average UK…
How to Make Money: Be £1,000 Per Month Better Off
Imagine you were £1,000 better off every month. How would it feel to know how to make money that could change your life? Let me tell you: it’s amazing. You aren’t trapped by repayments and limitations that are part and parcel of all of that extra financial responsibility. So how to be £1,000 per month…