I just wanted to pop on and wish you all a Wonderful Christmas and a Healthy and Prosperous New Year, from our home to yours, much love,
Photo by rawpixel.com on Pexels.com So it's that time of year again; the end of one year, beginning of another, put the past in the past, a time for new beginnings, etc., etc., - what phrase do you use? But the thing is, it IS a great time to plan - Christmas is about to … Continue reading Planning and Goal Setting…
Excuse the cheesy photo, but as I mentioned, we are trying to get out of debt and it was while researching ways and means to do this, we came across Dave Ramsey and he has definitely become my HERO! His Seven Baby Steps method is sooooo simple to use, it's mad! The seven steps are … Continue reading Dave Ramsey and Me!
Have you heard of the latest bank accounts that are just an app on your phone? Well, if you haven't, take a look - they are changing the way we bank and it's amazing! I myself have converted to Starling Bank, although I did consider Monzo as both of these are the top two choices of these … Continue reading Bank Accounts and why I have gone with a mobile-only bank!
What? You're banning Christmas? Surely not! Well no, of course not, I love Christmas and every aspects of it - Family and friends, all getting together and sharing meals and laughter (and the occasional disagreement) and of course, there is the reason that we have Christmas in the first place and the message of hope … Continue reading My Christmas Ban & Things I’m Thankful For…
Well, what a fantastic week it has been! I started a new job on Monday and so far, I'm loving it. I will now be working for a local Academy and am really excited by the fresh ideas that the Principal has for the future and her goals for my position - however, first port … Continue reading A new job, my new university dates and Harry Potter to boot!
One of the things I have always struggled with is meal planning - I have always found it time consuming and boring. I never know what to cook, recipes have so many ingredients, most of which I haven't got and I get bored with the same ol', same ol' I always do. Don't get me … Continue reading Meal Planning & Keeping Track of your Freezers.
Part of having a budget is making sure that you are sticking to it and checking that your payments have come out of your account is a vital part of this. When I use my spreadsheet, I highlight the upcoming bills in a darkish orange and then change it to a pale orange once they … Continue reading Keeping your Budget Sheet up-to-date.
Well Done! You've made your budget, now lets allocate every penny so that we don't waste it. You know what it's like, you've planned your spending, there is £100 left over that you MEAN to use against your overdraft or debt, but then come the end of the month, it's gone. That is where Zero-Based … Continue reading How to budget to fit your income – Part 5: Zero-Based Budgeting & building your Emergency Fund.
Nearly there... Now to budget everything else. You've done the essentials, all your bills and debts are allocated, now for any travel you have to do, cars and maintenance and building up some funds for those regular expenses so you're not caught out when Murphy comes calling. Firstly Transport: You need to get to work … Continue reading How to budget to fit your income – Part 4: Whats left…