I get a few e mails each week asking me how I manage our monthly budget and if I have any tips to help others to manage theirs so this week, I'm going to share a few of my tips for calculating your monthly budget, reducing your outgoings and how to make sure all your bills are paid on time.Most of these tips may seem like common sense but I thought it might help you to know what I do....Work out what your monthly budget is First of all, I sit down every few months and calculate my monthly budget. After this month's review,I know that I should have around an extra £500 a month after … [Read more...]
Get Organised – the getting a head start on Christmas edition….
I know, I know, the kids have only just gone back to school so it's ridiculous to be talking about Christmas!Or is it?I know a lot of you will be way ahead of the game and be practucally finished your Christmas shopping but I also know that even more of you won't have even started yet. Which is why I thought that I would share some of my getting organised for Christmas tips.Write a list of people you need to buy for - This one's self explanatory really although I just want to add that you shouldn't feel like you have to buy for people.Work out your budget - I work out how … [Read more...]
The Thrifty Families Carnival….
First of all, I'm sorry for the delay in publishing the carnival this month - we've had a bit of a busy back to school week and I'm still playing catch up from our holidays last week.I have some fantastic posts for you today - you're practically guaranteed to learn something new ;-)First up we have the lovely Becky with a brilliant Vlog about teaching her children gratitude and an equally fantastic podcast about rainy days and poverty.Next up is a post from the preloved blog called Suzy's second hand safari. I'd love to do something like this but I don't think I could stick to it … [Read more...]
Sick of balancing your debts? Try this one super easy tip to help you pay them off quicker and save money along the way…..
What is this brilliant tip that will help you pay off your debts quicker AND save you money?It's called snowballing and it really does work.And before you ask, when I say snowballing I don't mean throwing actual snowballs, I'm referring to paying off your credit cards and other unsecured lending in the most cost efficient way possible.It's all about paying your debts off in the right order so that you pay the least amount of interest on your debts and pay them off as quickly as possible. The best way to do this is to pay the minimum payment each month on all of your outstanding … [Read more...]
Get Organised – the inevitable back to school edition….
I work part time between 8 and 2.30, Monday to Friday which is brilliant as it means that during term time, I get to drop the kids off at breakfast club before I go to work and I'm finished in time to pick them up again at the end of the school day. Unfortunately, the fact that I have to drop them off at breakfast club by 7.30 in order to get to work by 8, means that getting ready has to be organised like a military operation!The organisation starts the day before, as soon as the kids get in from school! Shoes and coats are put where they're supposed to go and school uniforms are laid … [Read more...]
My Favourite Moneysaving Apps….
What do you use your mobile phone for?Apart from the obvious (phone, text and email) I use the camera on it all the time and I've captured a lot of special (and funny) moments that I wouldn't have done otherwise, I share my pictures using Instagram and I have lots of photo editing apps that I love. I also use Twitter and Facebook and have plenty of games downloaded to keep the kids amused when necessary.As well as the fun apps though, I use it to help me save money. There's lots of apps out there that can help you save in all kinds of ways but here's some of my … [Read more...]
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