I don't think there's been a time in my adult life that I've not had some sort of debt in my name - be it a credit card, car loan or a consolidation loan. This month though, the last of our debt was paid off and aside from our mortgage, we are now officially debt free.I got my first credit card when I was 18 and over the next few years, I added to that one with a couple of store cards and several more credit cards. They were all paid off with a consolidation loan that I then took out but rather than closing them, I promised myself that I'd only use them for emergencies but you can … [Read more...]
Five Frugal Things I’ve done this week {25 May 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) When I popped to the shop this week, I found some … [Read more...]
Five Frugal Things I’ve done this week {18 May 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. Do keep reading until the end this week as there's a cheeky giveaway to thank people for linking up with us.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 - … [Read more...]
Meal Planning Monday – Slimming World Style….
So, June is shaping up to be a super exciting and super busy month so I think it's time to get back on track with Slimming World. ;-)I'd only just (re) joined Slimming World when my Dad died in March and life got a bit chaotic so I used that as an excuse to put off being good and sticking to the plan.I weighed myself yesterday and I've lost 1lb since that time so at least I know that whilst I haven't been good, at least I haven't been too bad.I've sat down and worked out my Slimming World meal plan for the week and yes, I know that to make it work long term, I need to get us … [Read more...]
Five Frugal Things I’ve done this week {11 May 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) I love to start these posts with a bargain flowers … [Read more...]
{Credit File Concerns} How to disassociate someone from you on your credit file….
There is a way that you can disassociate someone from you on your credit file if you believe that their credit history is having a negative effect on your own credit file and today, I'm going to tell you how to do it and share how you know whether you even need to bother.Credit Scores are so important these days as they can affect everything from getting a mortgage to taking out a mobile phone contract and from the interest rate you're given on a credit card to the amount that you're allowed to borrow.And the fact that it does have such an impact on your financial wellbeing means … [Read more...]
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