What to do if you can’t afford to pay the bills….

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I've written before calculating your monthly budget using my free printable budget planner but today I wanted to try and help with some advice about what you can do if you don't have enough money coming in each month to cover what you're paying out. I'm by no means an expert on this subject but I do know that if you realise that you don't have enough money to pay bills then you need to take action - sooner rather than later.  This might seem like a bit of an obvious thing to say but I know from experience (work not personal) that some people pretend that everything is OK and carry on as … [Read more...]

Fabulously Frugal Linky {1 March 2015}….

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I can't believe that it's March already - this year is flying and at the minute, I just want to freeze time for a little while so I can get caught up with everything I want to do around the house, in the garden and on the blog! Anyway, one good thing about time flying by so quickly is that it's time for another #FabulouslyFrugal! If you don't already know, Fabulously Frugal is our way of showing people just how easy it is to be thrifty and frugal by sharing just a few of the many ways you can do this.  My co-hosts each week are Jen from A Thrifty Mum, Emma from Emma's Savvy Savings and … [Read more...]

Five Frugal things I’ve done this week to save money {27th Febuary 2015}….

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I've been a but absent this week as we've all had a cold (again!) which has led to a tired and slightly grumpy family.  We've not done too bad though.... Five frugal things I've done this week: 1.  If you're a regular here then you might have seen the seasonal bucket lists that I write every few months - a regular entry on there has been to clean out my garage but as it was so full of junk, we knew it was going to be a nightmare to clear it out.  We found out that the council will collect junk quite cheaply - 6 items for a £18 but when we looked at what we had we realised that the cost was … [Read more...]

Do adults need Financial Education….

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A recent survey conducted by Legal and General found out that around 53% of adults have received either no financial advice at all or even worse in my opinion, poor financial advice. That's such a scary figure to me and I'm determined that my children will be much more financially savvy than I was when I was younger - it's all too easy to get in to debt and as lots of us know, nowhere near as easy to get out of it again. It's not always easy to make the right decisions where money is concerned - I like to think that I'm quite financially savvy but I know that I'm far from perfect and I … [Read more...]