Impulse buying is a surefire way to ruin your budget and remain broke, no matter how much you earn. And we can all succumb to it from time to time. That trip to the supermarket for milk where you ended up spending £25? Impulse buys. Adding clothes to your online basket when you were just…
Viewing category: Reduce Your Expenses
How To Save Money on Clothes Forever…And Make Money in the Process!
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…
The Five Best Money Making Apps in 2019
Money making apps are an easy side hustle for anyone who wants to earn money from their mobile. We already use our mobile phones for several hours each day, and it’s an easy money maker. So why not check out my five best money making apps in 2019 and start earning now? In my opinion,…
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…
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…
Five Swaps That Can Pay for Christmas 2018
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, which is terrifying! The average cost of Christmas for a UK…
How to Renovate Your Home Without Getting Into Unexpected Debt
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 in. Home ownership doesn’t come cheap. We bought a fixer-upper with…
DM of the Week: How Can I Do Self-Care on a Budget?
Self-care is one of the best time investments you can make. In our consumer-driven world, we tend to mistake acquiring things for looking after ourselves, neglecting our well-being in the process. Self-care is a relatively new phrase based on a much older concept, because in the world we live in that is full of distractions,…
Your Wealth Depends On What You Spend, Not What You Earn
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 of the month. Even though our bills were pretty level with…
My Grocery Shopping: From £76 to £29.50
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 the route of living off processed food, so it was key…