Today I'm going to tell you how you can check your credit file for free and I'm also going to share with you a couple of reasons why it's super important to check your credit file at least once a year.If you apply for any form of credit then it's highly likely that the lender you're applying to will turn to one of the three main credit reference agencies for some information about you and how you've managed credit in the past.Credit comes in all sorts of different forms - it could be a mortgage, a car loan, a new mobile phone contract or even paying an insurance policy monthly rather … [Read more...]
Five Frugal Things I’ve done this week {29 June 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.1) Thanks to Monty, I needed a new laptop bag for … [Read more...]
Greenhouse Growing – I need some advice….
Today, I wanted to tell you about my brand new greenhouse and hopefully get some greenhouse growing tips from some of you experts out there!Remember a few weeks ago when I shared my DIY Herb Garden Planter? Well, I mentioned in that post that I'd love to take my herb garden one step further and start growing my own fruit and veg and the very next week, I got a lovely email from Shedstore asking me if I would like to review one of their greenhouses and get started with a bit of fruit and veg greenhouse growing.My first thought was no, and that's because when I think of greenhouses, … [Read more...]
How we’ll be mortgage free (at least) 11 years ahead of schedule….
Last month I told you all about our debt free journey - from how we built up our debt to how we finally paid it all off. Today, I want to tell you a little about our plan to pay off our mortgage 11 years ahead of schedule so we're not only debt free ut mortgage free too.When we bought our current house, we were still in our not-very-sensible with money stage so we chose to pay less each month over a longer term. I know, worst decision ever!We could have afforded the extra payment each month as we'd deliberately chosen a smaller house than we could have had because we wanted to be … [Read more...]
Five Frugal Things I’ve done this week {22 June 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.WARNING: It's a waffley one today - sorry in … [Read more...]
How to go from Survival Mode to Debt Free….
When I shared the brilliant news that we were finally debt free a few months ago, I got so many comments and emails from as well as messages on social media congratulating me which was lovely. Your messages were lovely to read and really made me smile but I also got a few messages from people saying they just couldn't see themselves ever getting to where we were, telling me that there was just no light at the end of the tunnel.I completely understand where these people were coming from because I've been there. I've been at the point where it feels like the debt will just always be … [Read more...]
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