When most people think about thrifty living they automatically think of frugality: cutting costs and counting the pennies. But thrifty living is about far more than that. Of course, not paying too much for things you buy is important, as is making your existing possessions work harder by upcycling or repurposing them. But one of the things I’ve not mentioned on the blog before is making the most of your assets – and this is one of the most important ideas in thrifty living. One huge asset that many people do not do much with is their home. This is surprising because your house is your biggest and most costly asset to maintain, so using it wisely can make a huge difference to your long-term financial future. Renting it out for holidays, short-term lets or even just getting a lodger can enables you to build up a good level of savings, and will have the cash ready for the next time you want to update your home.A potentially tax-free income Continue reading “How to earn money from your spare room” »
Who said it will cost a fortune to make your home a home? You don’t always have to spend a pretty penny on kitchenware, although you do get what you pay for in terms of knives and electrical items. When it comes to cookware, bowls and dishes, there’s plenty of great value for money options whether it’s from companies like notonthehighstreet or Next Home. Also, with supermarkets offering more and more homeware, it’s a good idea to be on the lookout for those quirky items that bring your home to life.Fill your home with character The type of character you are is often reflected in your home. There are lots of household gems you can buy to give your home the edge. If you’re a little unsure about what to buy here are my 10 favourite homely bits:-
- Milk bottles – this cute set of small glass bottles in a mini metal crate makes an unusual container for small cut flowers or buds. I thought it would be perfect for my kitchen windowsill for herb cuttings.
It may be wet and snowing outside this morning but no amount of bad weather can dampen my mood. And that’s because I’ve been enjoying reading a particularly sunny book this weekend – Happy Home Outside by Charlotte Hedeman Guéniau.It’s an inspirational ‘exterior design’ book packed full of ideas for making your garden into a truly magical space. With sun-lit photos, bursts of fruity colour and want-to-sit-there locations throughout, it’s certainly been keeping me in an optimistic mood. In fact, it’s made me look forward to summer (as a winter baby I always prefer cooler months) and I can actually imagine myself sitting outside this year and spending some time in the sun (wearing SPF50, of course) thanks to the photos in this publication. With a foreword from Will Taylor of Bright.Bazaar – one of my favourite design blogs and source of many colourful Pins – this book kicks off with a rousing call to enjoy ‘The Outdoor Life’ this year; to seize the moment, to surround yourself with colour and nature, and to spend quality time with friends and family. I literally couldn’t agree more.
Want to maximise your finances this year and keep hold of as much cash as possible? I do too. You probably know that I’m a rather thrifty lady and that I’d make any changes to my lifestyle in order to live better for less. But thankfully, this option doesn’t require any big changes, no hardship and not going without. It just allows you to hold on to more of your hard-earned pay packet at the end of the month. Read on to find out how I made some easy changes that could save me up to £200 this year…Let me set the scene: 2016 is the year of saving for me. Okay, I try to save as much as I can every year – and I don’t just mean saving money in my ISA. I also mean minimising the amount I spend on all the little things that add up throughout the year. Just shopping around online, buying secondhand and picking up the end-of-line items in the supermarket can all add up to a rather large stash of cash by the end of the year. Even though I’ve been frugal all of my life (being a student for 7 years, I had to be careful!) this year counts more than ever because I’m saving with purpose. I’m buying a house this year!At least, that’s the plan. I expect that you’ll see me blogging about my new front door before the year is out (as long as I can find somewhere lovely that I want to live, that is!). But I need a big deposit and I need to keep putting the pennies into my piggy bank to save for that. Actually, it’s not so much that I need a big deposit, but more like I want to have a big deposit so that 1) I can afford a house that might be out of budget otherwise, or so that 2) the loan-to-value will be lower and my mortgage rate will be better, or so that 3) I own more of the house to begin with and am paying less each month on the mortgage. Continue reading “Stash your cash in 2016 by maximising your finances with Ofgem” »