Have you heard of intentional spending before?  It's something I first wrote about back in 2016 but it's been on my mind quite a bit lately so I thought it would be a good time to have a chat...Basically, intentional spending (to me anyway) is about consciously thinking about what I choose to spend my disposable income on and allowing myself to spend money on the things that make me feel happy.  I might spend money on things that you think are a waste of money or are 'frivolous' purchases but I save money somewhere else in my budget to allow me to be able to spend on the … [Read more...]

I know I've touched on how something that you might class as 'junk mail' can actually save you money a few times before in my weekly five frugal things post but today, I thought we'd give it a whole post of its own.(I first published this a couple of years ago but money's tight for lots of people right now so I thought it was worth a quick update and a reshare to remind you of a couple of different ways to save some money) Lots of people mentally sort their mail into three piles - you have the boring bills and grown-up life admin stuff, the waste of paper junk mail and finally, what's … [Read more...]

I know lots of people have been having a bit of a no spend month this month but I thought I'd do one in February instead so today, I'm sharing a few ideas on how to prepare for a no spend month.Before we start though, these are just ideas to help you prepare - they're not ways to cheat. ;-)There's no point spending a fortune in advance to stop you from spending throughout the month or spending double one day so you can spend nothing the next.  To be fair though, you absolutely could do that if you wanted to but that's really not going to benefit anyone, is it?The idea of a … [Read more...]