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.I missed last week's five frugal things post … [Read more...]
Emergency Fund Update….
For years, my credit card was my Emergency Fund but as I got closer to paying off my debts, I realised that we really did need an Emergency Fund otherwise, I'd never be able to be completely debt free. This year has been a big one for us financially with a big shift in focus for us as we finally reached the end of our journey to being debt free and then started to make regular, significant overpayments to our mortgage.The next step for us is to build an Emergency Fund that we can use in an emergency so we don't have to use our credit cards to pay for the unexpected things that … [Read more...]
Dave Ramsey’s Baby Steps – the UK version….
I first came across Dave Ramsey a few years ago now and I kind of discounted them as they were very US centric and also seemed very much like common sense things to do. More recently though, I've gone back to them and adapted them to myself so today, I'm going to share with you Dave Ramsey's Baby Steps - the UK version, adapted to fit what works for me.You shouldn't feel you have to do everything exactly as you're told - use them as a guide for what works for you!Now, I know I mentioned already that one of the reasons I wasn't a fan right away was because I thought the … [Read more...]
Five Frugal Things I’ve done this week {13th July 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.I'm going to be totally honest with you here and tell … [Read more...]
Our half yearly budget review….
Every six month's or so, we sit down and do a full-on review of our monthly budget review which I usually share a bit about in my weekly five frugal things post but this time, I thought I'd do a whole post about it.Before I start though, I would say that our budget is looking good right now but it's taken years to get to this point from where we were when we started our frugal journey and I'm super proud of us! The healthier our budget starts to look, the more encouraged we are to be frugal and to save even more money because we have a goal in mind to pay off our mortgage in half the … [Read more...]
Five Frugal Things I’ve done this week {6th July 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.if you're a regular reader then you might already … [Read more...]
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