For years, my credit card was my Emergency Fund but as I got closer to paying off my debts, I realised that we really did need an Emergency Fund otherwise, I'd never be able to be completely debt free. This year has been a big one for us financially with a big shift in focus for us as we finally reached the end of our journey to being debt free and then started to make regular, significant overpayments to our mortgage.The next step for us is to build an Emergency Fund that we can use in an emergency so we don't have to use our credit cards to pay for the unexpected things that … [Read more...]
10 ways to win at meal planning in the School Holidays….
How to WIN at Meal planning in the School Holidays! You might think you've mastered meal planning but it's a whole different ball game in the Summer Holidays!This post isn't about how to meal plan successfully, it's about how to how to get the hang of meal planning in the School Holidays! Trust me, there's a BIG difference!Meal planning under normal circumstances is just a case of planning your meals, shopping for them and finally cooking them. Meal planning in the school holidays is a whole new ball game, or at least it is in our house.I need to consider the fact that some … [Read more...]
A quick life update (and a new blog) from me….
I don't think it's much of a secret that I've struggled a little bit these last few months.Admittedly, I've had a fair bit to cope with but it's fair to say that I probably haven't handled things as well as I could have done and trying to carry on like I did when my Dad died without stopping to grieve just got me to a place where I was exhausted, snappy with everyone I love and behind with just about everything in my life.Things are much better now so I thought I'd give you a little bit of an update...I kept so busy after my Dad died that my house was spotless, I had a good … [Read more...]
Dave Ramsey’s Baby Steps – the UK version….
I first came across Dave Ramsey a few years ago now and I kind of discounted them as they were very US centric and also seemed very much like common sense things to do. More recently though, I've gone back to them and adapted them to myself so today, I'm going to share with you Dave Ramsey's Baby Steps - the UK version, adapted to fit what works for me.You shouldn't feel you have to do everything exactly as you're told - use them as a guide for what works for you!Now, I know I mentioned already that one of the reasons I wasn't a fan right away was because I thought the … [Read more...]
Homemade Blackberry Vinegar….
Homemade blackberry Vinegar is a great way to use up leftover blackberries, which I always have when we go blackberry picking as we never fail to pick more than we need!I bet you're wondering what blackberry vinegar is though, aren't you?Well, it's nothing fancy, it's literally blackberry infused vinegar but it makes an amazing salad dressing and is said to ward off a cold if you drink a teaspoon a day in hot water when you feel the cold coming on. I can vouch for the first one but the second, I suspect is nothing more than an old wives tale although I'll try anything to stop a … [Read more...]
Whipped Pink Lemonade Body Scrub…..
Miss Frugal loves a good body scrub, as do I, and this one is my favourite so far - whipped pink lemonade body scrub!Honestly, I'm pretty sure we could give The Body Shop a run for their money with all the homemade beauty recipes that we've tried recently. Pinterest has a LOT to answer for - Miss Frugal currently has a very full board that she calls 'DIY recipes to try' and we're working our way through it pin by pin.Today was pink lemonade body scrub but not just any pink lemonade body scrub - this is whipped pink lemonade body scrub and I can guarantee that you're going to like … [Read more...]
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