Have you heard about open banking? I know that lots of people haven't so today I'm going to answer a couple of questions that I've been asked a few times over the last couple of weeks - What is open banking and how does it affect YOU? The 'What is open banking' questions have come about because I've shared a couple of new innovative finance and banking apps and websites recently in my Facebook group and a few people have contacted me to say that they're a little worried about these apps and how, in most cases, they need to link to your bank account in order to work. Before I go into … [Read more...]
Five Frugal Things I’ve done this week {19th January 2018}….
1) I feel like I’ve been really good this week with packed lunches because not only have I managed to take one to work every day which has saved me a fortune compared to if I’d been buying lunches in the work canteen but I’ve also managed to use leftovers for most day’s lunches. I made couscous using the gammon and veggie leftovers, pasta salad with the chicken and some spinach, leftover soup from our chicken soup/stew meal and bolognaise (which I did cheat and buy a jacket potato from work to put it on). I’m being super good at the moment and although I can’t see me being this good … [Read more...]
Why Every Family Needs an Emergency Fund….
I'm determined that this year is finally going to be the year that I work towards creating an emergency fund for my family. It’s so important to learn how you can save up while still paying bills so that when an emergency strikes you are not in a complete financial crisis - I know that sounds super grown up but I've decided that this is going to be the year that we finally get ourselves a bit of money set aside for emergencies. It's something I've been thinking about for a good while now because I know that we really need to have some money set aside in case we're ever in a situation … [Read more...]
50 Common Sense tips to help you save money in the kitchen….
Warning: these are not innovative new ideas to save money in the kitchen! They're things that your common sense tells you that you should be doing but I can practically guarantee that you won't be doing most of them... 50 Common Sense tips to help you save money in the kitchen! Make sure you have a weekly shopping budget and that you stick to it. I worked mine out originally by looking at my receipts to see how much I spent in a week and then taking 10% off that. It's been a work in progress since but we're definitely saving. Don't buy pre-peeled / chopped fruit and vegetables as they … [Read more...]
5 Ways to BEAT Blue Monday….
Today I'm sharing five ways to beat Blue Monday at its own game! Did you even know it was Blue Monday today? Hands up if you did! ;-) I only know because I've ignored two articles online today along with scrolling on by so many posts on social media telling me that today is the most miserable day of the year! Apparently, the 'scientific' formula behind the declaration that today is the most miserable day of the year is down to things like the number of days since Christmas, the number of days until payday, the weather and even the number of days since we're all likely to have … [Read more...]
Six Money Saving Apps you need in your life this year….
Did you set yourself any New Year's Resolutions? Stop spending so much money on food, start a budget sheet or just stop taking your card on nights out, many of us make resolutions around money but not a lot stick to them. 2018 is arguably the best year to start saving yourself some cash, with technology playing a big role in how we spend our money, isn’t it about time it starts helping us save some? Cashback apps These have been around for a while now and while it’s hard to choose a favourite, TopCashback and Quidco seem to come top of the list - both of which are free! Download … [Read more...]
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