Am I blacklisted? That's probably one of the most common questions that people ask whenever they're declined for credit so today, I'm going to let you in on a secret about this mythical blacklist and tell you the real reasons why you might have been declined for credit.First things first, there is NO blacklist. I repeat, there is NO blacklist.The credit reference agencies report factual information about your credit file and anyone with who you apply for credit can access that information when considering your application. Each lender will have its own set of criteria … [Read more...]
Amazing 3 ingredient Kit Kat Fudge…
Kit Kat fudge is my new favourite thing!My 5 minute Nutella fudge recipe is one of my most popular posts - especially at this time of year so I thought I'd experiment with some other variations of homemade fudge. This amazing 3 ingredient Kit Kat fudge is right up there with the Nutella version so if you're looking for an idea for a homemade gift this year (or even just as a treat for you) then look no further! How to make this amazing 3 ingredient Kit Kat fudge 325g chocolate chips (we like milk but dark would work better I would imagine if you want a richer … [Read more...]
Five Frugal Things we did this week {17th December 2021}….
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. Hey! 👐1) I went out last Saturday night for a few pre-Christmas drinks with one of my friends and both my dress and boots were bought secondhand and cost less than £10 for them both combined. My Boots were from Vinted and were selling for £5 but I made an offer of £4 which was accepted - postage will have been a couple of pounds on top but I can only see how … [Read more...]
Ten homemade Christmas hamper present ideas….
Today I'm sharing ten Christmas hamper present ideas with you so if you have any presents left to buy make sure you read on!This is an old post that I'm resharing as someone messaged me this week to ask for some Christmas hamper present ideas and as I started to reply with some ideas, I remembered about this post!For the last few years, I've made a bit of a beauty/pamper hamper for Miss Frugal instead of a Christmas Eve box and this year's hamper is the best one yet. I can't show you exactly what's in it but if I remember, I'll try and take a photo once she's opened it but … [Read more...]
Five Frugal Gifts to add to Your Christmas Wishlist…
Today I wanted to share with you some ideas for frugal gifts to add to your Christmas wishlist...Some of the things I've included are a little more expensive than others but they'll help you to be more frugal in 2022 in some way so I've included them anyway...(Also, the links in the headings are affiliate links but I've tried to include pictures of my own products as they've all been bought by me and used regularly by me so you know that they're genuine recommendations) An Instant Pot Honestly, I could not love my Instant Pot more! For the first couple of times that I used it, I … [Read more...]
Homemade Mince Pies (cheap but yummy)….
It's not Christmas until you've had a mince pie! Today I'm sharing my budget homemade mince pies which are totally amazing if I do say so myself! They might not look like works of art but they're easy to make, don't cost a fortune and taste delicious!I've shared the recipe for my homemade mince pies below with the instructions on how to make my easy peasy sweet pastry recipe (see here where I used it to make jam tarts) but I am going to hold my hands up here and admit that I cheated today and used some ready rolled sweet pastry that I picked up in the Tesco reduced … [Read more...]
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