I love that saying - do you always have some month left over at the end of the money? I first saw it on a fridge magnet at a service station we stopped at once and from then on it's been my favourite saying.It doesn't matter how much money your monthly budget says you should have left over at the end of every month if the actual amount left in your bank account doesn't come anywhere close. When we first started working out what our monthly budget was, we were pleasantly surprised to see that we had a healthy amount of money left over each month after our bill payments had been come out and … [Read more...]
Get Organised – the free printable budget planner edition….
At the start of last month I shared with you all, how I work out our monthly budget and I was pleased to get lots of emails from you saying how helpful you'd found it and how much it had helped.One thing that did come across in the emails was that some people would prefer to have a form that they can print out and use to fill in their income and monthly costs to make it a bit easier. You could do a search online for 'free downloadable budget planner' but there are so many options available, many of which are affiliated with various debt management companies or other associations. Also … [Read more...]
How much do you spend on your children at Christmas….
It's November tomorrow so I feel justified in asking you all just how much you spend on your children for Christmas. After all, the big day is only 54 days away.How much do you hate me for reminding you of that right now?I've been gradually doing my Christmas shopping for months now and I've managed to get a LOT for what I've actually spent. I've bought things in the Tesco 2 for 1 sale (ends today I think) and got some great bargains in the Sainsbury's half price toy sale last week.I've also bought some things off eBay and from the car boot sale. Top of Master Frugal's list was … [Read more...]
Get Organised – the paying your bills edition….
I get a few e mails each week asking me how I manage our monthly budget and if I have any tips to help others to manage theirs so this week, I'm going to share a few of my tips for calculating your monthly budget, reducing your outgoings and how to make sure all your bills are paid on time.Most of these tips may seem like common sense but I thought it might help you to know what I do....Work out what your monthly budget is First of all, I sit down every few months and calculate my monthly budget. After this month's review,I know that I should have around an extra £500 a month after … [Read more...]
Family Friendly Frugal Meals – Slow cooker sausage, bean and chorizo casserole….
I should quite probably win the award for the longest title to a blog post with this one!Is there an award for that in the MADs? If not, Sally then you should take note for next year ;-)Anyway, I've had an interesting week this week and *mostly* managed to stick to last week's meal plan so I'm ready to go with next weeks. We're starting to eat more Wintery type food seeing as it's October and the heatings back on so this week's menu has a lot of what I think of as comfort food - not sure how that's going to work with my diet though.Monday - Sausage, chorizo and bean … [Read more...]
Get Organised – the getting a head start on Christmas edition….
I know, I know, the kids have only just gone back to school so it's ridiculous to be talking about Christmas!Or is it?I know a lot of you will be way ahead of the game and be practucally finished your Christmas shopping but I also know that even more of you won't have even started yet. Which is why I thought that I would share some of my getting organised for Christmas tips.Write a list of people you need to buy for - This one's self explanatory really although I just want to add that you shouldn't feel like you have to buy for people.Work out your budget - I work out how … [Read more...]
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