Every six month's or so, we sit down and do a full-on review of our monthly budget review which I usually share a bit about in my weekly five frugal things post but this time, I thought I'd do a whole post about it.Before I start though, I would say that our budget is looking good right now but it's taken years to get to this point from where we were when we started our frugal journey and I'm super proud of us! The healthier our budget starts to look, the more encouraged we are to be frugal and to save even more money because we have a goal in mind to pay off our mortgage in half the … [Read more...]
Five Frugal Things I’ve done this week {6th July 2018}….
Every week I share five frugal things that I've done during that week just to show you that the small things you do all add up to a great frugal lifestyle where you can learn to live a fabulously frugal life.Before I start though, I do want to say that being frugal to me is about getting the best value for our money - it's not about doing without for us or about not having nice things. We all have different financial situations and we're all frugal for different reasons - we're frugal so we can afford to do nice things together.if you're a regular reader then you might already … [Read more...]
How to check your credit file for free – and why you NEED to….
Today I'm going to tell you how you can check your credit file for free and I'm also going to share with you a couple of reasons why it's super important to check your credit file at least once a year.If you apply for any form of credit then it's highly likely that the lender you're applying to will turn to one of the three main credit reference agencies for some information about you and how you've managed credit in the past.Credit comes in all sorts of different forms - it could be a mortgage, a car loan, a new mobile phone contract or even paying an insurance policy monthly rather … [Read more...]
Five Frugal Things I’ve done this week {29 June 2018}….
Every week I share five frugal things that I've done during that week just to show you that the small things you do all add up to a great frugal lifestyle where you can learn to live a fabulously frugal life.Before I start though, I do want to say that being frugal to me is about getting the best value for our money - it's not about doing without for us or about not having nice things. We all have different financial situations and we're all frugal for different reasons - we're frugal so we can afford to do nice things together.1) Thanks to Monty, I needed a new laptop bag for … [Read more...]
How we’ll be mortgage free (at least) 11 years ahead of schedule….
Last month I told you all about our debt free journey - from how we built up our debt to how we finally paid it all off. Today, I want to tell you a little about our plan to pay off our mortgage 11 years ahead of schedule so we're not only debt free ut mortgage free too.When we bought our current house, we were still in our not-very-sensible with money stage so we chose to pay less each month over a longer term. I know, worst decision ever!We could have afforded the extra payment each month as we'd deliberately chosen a smaller house than we could have had because we wanted to be … [Read more...]
Five Frugal Things I’ve done this week {22 June 2018}….
Every week I share five frugal things that I've done during that week just to show you that the small things you do all add up to a great frugal lifestyle where you can learn to live a fabulously frugal life.Before I start though, I do want to say that being frugal to me is about getting the best value for our money - it's not about doing without for us or about not having nice things. We all have different financial situations and we're all frugal for different reasons - we're frugal so we can afford to do nice things together.WARNING: It's a waffley one today - sorry in … [Read more...]
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