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) The very wise people in my Spend Less, Live Better … [Read more...]
The Dave Ramsey Zero Budget Method….
I should say up front that the Dave Ramsey Zero budget method is definitely not my favourite way to budget and it's not one that I've used for more than about half an hour as I just couldn't get away with it. But I have had a few people ask me to explain it so I thought I'd share the basics of the zero budget method with you today.On paper, the zero budget method is pretty simple and in my head I know it's a very practical way of budgeting that makes sure that there is no available money to waste. The reason there's no money available is because every single penny is accounted for … [Read more...]
Five Frugal Things I’ve done this week {10 August 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) My favourite way to start these posts on a Friday … [Read more...]
Five Frugal Things I’ve done this week {3 August 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.Just in case you're interested - I posted my homemade … [Read more...]
Five Frugal Things I’ve done this week {27th 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.I missed last week's five frugal things post … [Read more...]
Emergency Fund Update….
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...]
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