{Updated for 2016} This is the time of year when all of us bloggers are sharing our top tips on how to get the most out of the Summer Holidays and to be fair, if you're anything like I was when my two were younger then you can do with all the help you can get to fill your days with fun and avoid the dreaded 'I'm Bored' words being uttered. Anyway this morning when I woke up, the sun was shining and the clouds in the sky weren't grey and angry for a change so I thought today would be a good day to share my ideas with you all. But then it occurred to me that over the years I've been blogging, … [Read more...]
How we make no spend days work for us….
Have you ever had a day where you haven't had to spend a single penny?Imagine how much money you could potentially save if you could go a few days each week without spending any money. It sounds much harder than it is you know and let's face it, if I can do it then anyone can!With the expensive Summer holidays coming up I've decided that we really need to focus on money and one of the ways that I'm doing that is by setting myself a target of 15 no spend days in the month of July.A no spend day is exactly as it sounds - a day where you don't spend any money at all although I don't … [Read more...]
Let’s talk about what happens when you can’t afford to pay the bills….
I've written before calculating your monthly budget using my free printable budget planner but today I wanted to try and help with some advice about what you can do if you don't have enough money coming in each month to cover what you're paying out and you can't afford to pay your bills.I'm by no means an expert on this subject but I do know that if you realise that you don't have enough money to pay bills then you need to take action - sooner rather than later. I know that this might seem like a bit of an obvious thing to say but from experience (work not personal) I know that some … [Read more...]
Why I never used to check my bank statement (and 5 reasons why you should)….
I'm going to be perfectly honest here and tell you that in the past I've dreaded the moment that my bank statement hits the doormat.There have been times when I've picked it up and put it on the sideboard trying to decide whether to open it or not because I knew it was going to tell me that we had no money or that one Direct Debit or other had been returned unpaid. More often than not, I ended up just hiding it in a drawer and not opening it at all because in my head, if I didn't see it written down then it wasn't as bad as I thought. Silly, I know.This was a long time ago thankfully … [Read more...]
How one small change saves me money on my shopping every single week….
OK, I don't think I'm going to blow your mind here but I did want to tell you about a change I made a few months ago to my shopping habits that's saved me some money!I used to go shopping on a Friday night after work and in theory, I would buy everything we needed to get us through to the following Friday except for a mid-week mini shop for fruit and veg where we needed it.The problem was that we're all at home for most of the weekend and with a fridge full of food we were more likely to snack - not only on treats but on things like carrots (Miss Frugal loves carrot sticks), yoghurts … [Read more...]
Couponing – the laid back way to do it….
I'm sure we've all seen the extreme couponing stories in the media about people who use discount vouchers and coupons to pay for a big chunk of their grocery shopping. These are people who really take their couponing seriously and fair play to them, they get some great discounts and save a huge amount of money.Personally, I don't really have the time or the inclination to search out these coupons and then visit the various different shops necessary to redeem the coupons that I find. Having said that, I do like a money saving opportunity and I certainly don't mind using coupons or vouchers … [Read more...]
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