Debt! That dreaded four letter word. It's the money we owe that sucks our lives dry and we never seem to put a dent in it. We think about what we could spend the money on and it eats away at us that we can't, so what to do? Firstly, you're on the right path. … Continue reading How to budget to fit your income – Part 3: Managing Debt.
We all know what a bill is don't we, it's something we have to pay each month no matter what. But did you know that there are different types of bill? I first want to explain about Essential Bills. These are the ones that if you don't pay them you may lose your home, have … Continue reading How to budget to fit your income – Part 2: Bills and how to prioritise.
Budgeting is something that is a stumbling block for so many people. It is thought of as a restraint and a burden. Why should I tie myself to a budget? I earn my money, why can't I spend it on what I want, it's mine? I sweated blood and tears for that, I deserve a … Continue reading How to budget to fit your income Part 1: Why you need a budget & allocating incomes.
One of the things that I need to do is get out of debt and start to build up some kind of savings for our future. I am 55 years old and my husband is 58, so it is pretty pointless us starting a pension scheme this late in life. One of our passions has … Continue reading My Debt Free Journey starts here!
Thank you so much for visiting. I want to start by letting you know a little bit about why I have started this blog. I love starting things. I start... I do LOADS of background stuff, spreadsheets, prepwork, playing around, setup stuff... Then I do the actual thing for two days... then I MEAN to … Continue reading Hello & welcome to my first post!