Purchasing your first home is a significant milestone, often marked by excitement and anticipation - I can remember just how excited I was when I was buying my first home but I also remember all too well just how much stress I felt during the whole process. Since my first house purchase, I've watched a lot of Location, Location, Location and have bought and sold a few more houses so I think I'm a bit of an expert now. 😁 Or at least, I know enough to be able to share a few hints and tips if you're trying to get on the property ladder right now...1. Understand (and … [Read more...]
Why sleep is so important to me right now (and how I make sure I get it)….
This year has been a hard year.I started to feel ill between Christmas and New Year and by New Years Eve, I was on the phone to the Doctors because I was so poorly with a chest infection. They gave me some tablets and I started to feel a little better by the middle of January with just a niggling cough that wouldn't go away. Fast forward a month and I started to feel worse again with the cough getting so severe that the Doctor I saw described it in his notes as being 'severe and violent'.I got worse and the cough was making me sick several times a day and definitely stopping me … [Read more...]
Five Frugal Things we did this week {29th June 2024}….
Every week (ish) I share five frugal things that I've done during the previous 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. Hey! 👐1) I've just spent an hour or so listing some clothes that the kids have grown out of on Facebook Marketplace- this is what my camera reel looks like right now...I sorted everything I wanted to get rid of into three piles - one to list on FB Marketplace, one to drop off at the charity shop in the morning and the other pile to … [Read more...]
Become A Frugal Traveller: 5 Ways to See the World with Less Money….
Travelling on a budget is not only within reach but it’s also quite rewarding, and you can’t help but feel liberated and inspired to make more of life.Shopping around means that you can get the best prices for your airfare, hotel accommodation, and car rentals, so why not take advantage of the British pound, which is still stronger than the U.S. dollar and see some of the world. While not exactly glamorous, you can see the world without spending a fortune!Create a budget before the big trip to avoid blowing up money on things you don’t need just because YOLO. Some travel splurges … [Read more...]
PCP, HP, or Leasing? Finding the Best Car Finance Option for You….
In today’s dynamic car market, car financing has become more versatile than ever. There are so many options available so if you're anything like me, finding the right plan tailored to your needs can be daunting. Navigating through the maze of Personal Contract Purchase (PCP), Hire Purchase (HP), and Leasing requires a keen understanding of each option’s intricacies.The choice of car finance can significantly impact your financial health and driving experience. Whether you prioritize lower monthly payments, the flexibility to change cars frequently, or eventual ownership, there’s a plan … [Read more...]
CCJ’s and How to Deal With Them: Expert Guidance
A County Court Judgment (CCJ) can feel daunting but understanding them is crucial in managing your financial health. A CCJ is a court order that can be registered against you if you fail to repay money you owe. Once registered, it stays on your credit file for six years, affecting your ability to obtain credit, mortgages, and even some jobs.The first step in dealing with a CCJ is addressing the debt. Contacting the creditor to discuss repayment options can often lead to more manageable terms. You might also consider seeking advice from a debt charity or financial advisor to explore … [Read more...]
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