When Social Media is Bad for Your Bank Account…
This post may contain affiliate links. All opinions are my own. 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…
Five Ways To Save Money on Groceries
This post may contain affiliate links. All opinions are my own. 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…
Five Swaps That Can Pay for Christmas 2018
This post may contain affiliate links. All opinions are my own. There is nothing quite like the feeling of writing a Christmas 2018 budget blog post in the middle of August! But right now, we have 132 days to Christmas, which means 19 paydays if you’re paid weekly, and about five if you’re paid monthly,…
How to Renovate Your Home Without Getting Into Unexpected Debt
This post may contain affiliate links. All opinions are my own. Behind the cost of our home itself, home renovation costs have been our biggest purchase of the past decade. We have spent £25,000 renovating our home since we moved in, which has added an average of around £8.5k to our annual expenses since moving…
How to Avoid Spending Triggers
This post may contain affiliate links. All opinions are my own. One of the biggest challenges I have had on my debt free journey is avoiding impulse purchases. MYJAR.com estimates that, on average, we each spend £144,000 over the course of our lifetime on impulse buys. That’s a house! So getting the habit under control…
Your Wealth Depends On What You Spend, Not What You Earn
This post may contain affiliate links. All opinions are my own. A big lesson I’ve learned in my journey towards debt freedom is that expenditure is everything; it is so much more important than income. A year ago, my partner and I maintained a pattern of living like kings on payday and paupers the rest…
My Grocery Shopping: From £76 to £29.50
This post may contain affiliate links. All opinions are my own. Since starting to pay off our debt, I have worked on cutting the cost of our groceries gradually, which has really helped us to free up some money extra debt repayments. We wanted to cut down on the cost of groceries without going down…
Why I Walk
This post may contain affiliate links. All opinions are my own. When we moved into our home two years ago, my journey to work went from a ten minute walk through a few streets in the city centre (we lived in a really outwardly flash apartment in the Cathedral quarter in Belfast, which was noisy…
Buy Less, Live More
This post may contain affiliate links. All opinions are my own. Once upon a time, in my mid- twenties, I was a writer. I spent my days writing a book that I’d developed during uni, and I wrote for a comedy blog. To pay the rent, I worked nights in a restaurant. When my partner…
Money Making and Money Saving Apps- A Beginner’s Guide
This post may contain affiliate links. All opinions are my own. Recently I’ve started becoming quite savvy with my grocery shopping, which has led to me significantly cutting the amount I spend. Today for example, I placed my grocery order for the week with Sainsbury’s; initial cost was £55.10 (which is quite good for us…