There may be times when you just don't have enough money to last you until your next payday. It's bad enough if it's just a one off for whatever reason but if it's every month and you're struggling to pay your bills then you really need to get some help as soon as possible. Don't think that by ignoring the problem that it will go away or magically get better.The fact is that the longer you leave it, the harder it is to sort out and once you face the facts that you do need help everything else is a piece of cake.I wrote about the things you can do here last year but what's prompted my … [Read more...]
Pocket money – what do you do….
So, at the grand old age of ten, Miss Frugal gets £10 a month pocket money.She gets £10 a month because I once read somewhere that a good guideline for pocket money would be to give your child £1 for every year old they are but I have no idea how that compares to what other children her age get.I do know that it seems like a good amount - enough that she can start to learn how to budget her money and make decisions about what to do with her money. Does she waste it on little treats or buy one big thing? Does she spend it as soon as she gets it or save it until she sees … [Read more...]
Share one thing you’ve done today to save money….
To me, being frugal is all about the little things.The little things, like giving up your weekly coffee from Starbucks or your occasional cheeky takeaway might not seem like much when you look at it as a one off. But if you look at it over a longer period then the savings start to mount up! A weekly treat like a coffee from Starbucks when you do your weekly shop adds up to over £150 over the course of a year. Even going without your daily newspaper adds up to savings of almost £175.00 and you don't even have to miss out as you can get all the news you need online!So, what I want you … [Read more...]
Get Organised – Make some money by de-cluttering….
Before Christmas, I shared my top three ways to save your pennies but now, with Spring fast approaching, it's time for our annual de-clutter which hopefully means we can make some extra money from our clutter ;-)1. eBay, eBay, eBay I can't stress enough how much money you could potentially make by using eBay to sell your unwanted things. I've written about how to sell on eBay in more detail here but it offers a quick way to make money which is perfect when you need money fast. The vast majority of people pay by Paypal who can now transfer payments to your bank account using the Faster … [Read more...]
Cheap Family and Friends Railcard….
We love travelling on the train when we go for days out. I find it a much more relaxing way to travel and we all enjoy the journey much more - especially me as I often put my headphones in and relax, leaving Mr Frugal in charge of the in-train entertainment.It does work out good value for money most of the time as you don't have to pay for petrol or parking but it's even better value if you have a Railcard. We have a Family and Friends Railcard which has saved us a fortune over the last couple of years and it easily paid for itself when we booked our first journey using it.You can … [Read more...]
Ten ways to keep warm without turning up the heating….
I have a bit of a thing (obsession) about making sure we're all warm.I think that's because my last house was fitted with old fashioned storage heaters which were useful for heating the house but cost us an absolute fortune anyway. The house was so cold and draughty in the Winter and I used to feel awful putting the children to be in cold bedrooms. It kept me awake at night sometimes and I'd sneak in to see them in the middle of the night and although they'd usually be snug in their beds cuddled up under their blankets, sometimes their little noses would be cold which made me feel so … [Read more...]
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