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...]
The Moments That Connect Us….
This post is a collaboration with TV Licensing (a trademark of the BBC), but all thoughts and experiences are my own.Memorable TV MomentsI don't know about you but there are TV moments that I can look back on and feel like they impacted me in some way - whether in the short-term giving me the feels kind way or in the longer term, making a difference in life kind of way.I thought I'd share a few of these moments with you today starting with a bit of a warm and fluffy one. Interview with Tommy Lawrence I can't remember when I first saw the example I'm about to share … [Read more...]
Five Frugal Things we did this week {14th 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) We've just got back from Legoland where we've had a lovely couple of days with the kids - thanks to our Tesco Clubcard vouchers that we've been saving for the last year.Last year we spent out vouchers on an annual membership to the Deep in Hull where we visited every couple of months through the year and this year, we gave the kids … [Read more...]
How to embrace nature on your family staycation….
When was the last time you fully stopped to embrace the nature around you?By surrounding yourself with nature, it becomes easier to switch off, unwind, and feel relaxed, whilst also giving kids (and grown-ups) the opportunity to run around and let off some steam while exploring their surroundings. Wherever you’re going for your family holidays UK, here are just a few ways you can embrace nature on your next family adventure, whether you’re headed near the coast or more inland.Take a walk There's nothing better than fully immersing yourself in the great outdoors. Come rain or … [Read more...]
This month’s pre-loved bargains {May 2024}….
You all know that I love a good pre-loved bargain, whether it's from a charity shop, the car boot sale or even from somewhere online and this is the return of my monthly post to share some of my bargains with you! This always used to be my favourite post to write each month and even though it's been a while since I've actually shared any of my bargains, I've still been enjoying my regular mooch around the charity shops in my area and picking up bargains when I see them. 😇Where I live now, I'm a five minute walk from the village high street where there are four charity … [Read more...]
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