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HOME DIY

5 Ways to elevate your home without spending a penny

We all want our homes to look and feel like a space we can be proud of. However, to really achieve this, we need to spend money. But what happens when you can’t afford to dip into your savings right now? Here are some each home hacks to elevate your space…

Money Saving Tips

How to make saving money your top priority this year

Let’s chat about something that’s on everyone’s mind as we stride into this year: saving money. When you know how, it’s easy to transform your financial habits into a treasure trove of savings this year…

Living Spaces

3 Reasons to embrace minimalism when you want to save money

If you’re considering reducing your possessions and embracing a minimalist lifestyle, there are many benefits – including saving money every day. Here are 3 reasons to consider letting go of some of your belongings if you’re moving house or want to cut costs.

Home buying

4 Hidden costs to consider when buying a house

Even though it might appear to make sense to buy rather than rent, to move to an area where property is cheaper or to downsize to save money on your mortgage, there may be some hidden costs you should consider before buying a house – is the move worth it?

Home buying

How to buy your own home on a budget with shared ownership

With soaring interest rates, unaffordable property prices and saving for a deposit often out of reach, it may feel like you’ll never get a chance to buy your own home. Here’s how shared ownership is helping first-time buyers to invest sooner rather than later…

Money Saving Tips

3 Ways to save money on (almost!) everything you buy

If you’ve got things to buy – whether it’s a gift, back-to-school clothing or even your weekly food shop – there’ll probably be a way that you can save money on your purchases. Here are three ideas to help you cut the cost of your shopping…

MONEY MANAGEMENT

Should we be worrying about the effect of rising interest rates on borrowing?

The Bank of England’s base interest rate has been changing rapidly over the last year, with more fluctuations likely in the coming months. But how much will the prime rate affect your personal borrowing? Do you need to worry about it now when the rates might change again in the future? Here are some things to consider…

Money Saving Tips

4 Simple ways to live a more frugal lifestyle this year

Many of us are feeling the pinch this year, with outgoings increasing and sometimes not quite enough money coming in. So, how do you make savings without giving up the things you need? Here are a few ideas to dramatically cut your costs and still enjoy your home and lifestyle…

Side Hustle Business

Checklist of things to consider when setting up a small independent business

It can be an exciting time when you’re starting up a small, independent business however, there are certain things you’ll need to consider from the off, such as paperwork, finance and operating factors. Here’s a handy list of the things you should look at when you set up your own business…

Money Saving Tips

4 Pain-free ways to cut the cost of your monthly bills

Many budgeting articles will advise you to give up lots of your favourite things if you want to save money. However, it IS possible to reduce your monthly costs without missing out on the essentials for a happy life – here are some pain-free ways to make savings on your bills…

Money Saving Tips

7 Ways to cut the cost of running a vehicle for your freelance business

When you’re self-employed or running an independent business, there are so many things that you need to consider when forecasting and recording your expenses. Luckily, there are plenty of ways to cut down on the costs associated with the vehicle you use for work – here are some ideas…

Home buying

How to continue saving a deposit for your first home during the cost of living crisis

If you’ve been trying to save for your future home and now the cost of living crisis has hit, you might be thinking that it’s no longer possible to put aside any cash for your deposit – or for any other goal you have. But there ARE still ways that you can keep saving and organise your finances to make your homeowning dream a reality…

MONEY MANAGEMENT

How to make extra money from doing the hobbies you love

If you want to find a little more money to cope with the cost-of-living crisis, why not look to your hobbies to find a way of earning more while still doing the things you enjoy? Here are three ideas to get you started…

Art & Photography

3 Side hustles that make the most of your creative skills

Wouldn’t it be great to make some extra cash on side? Even if you don’t think you’ve got the skills to launch a creative business, I’m here to show you otherwise. Here are three side hustles you can try out and maybe make a bit of money from your creativity…

MONEY MANAGEMENT

3 Tips for using credit wisely this holiday season

‘Tis the season to shop ‘til you drop, but are your finances prepared for the holiday’s big bill? If not, it may be tempting to borrow money to afford the festivities, but this is a quick way of putting your finances on the naughty list…

Good Causes

How would your life change if you won the lottery? (hint: not much!)

Whenever I enter a lottery, competition or raffle I start to wonder what it would be like if I won. I mean, you’ve got to be prepared, right?! So, today I’m sharing my thoughts on how my life would be different after that big win – I’ve surprised myself with the answers…

Autumn

3 Things that you can get a great deal on in September

Did you know that shopping seasonally doesn’t only apply to food? When you buy any product there will be a cheaper season to buy it and you can make some impressive savings by purchasing at the right time of year. Here are some items that you’ll definitely get a deal on in September…

FRUGAL FUN TIMES

How to save money as a thrifty essentialist minimalist

Although these three lifestyles offer very different ideas they also have one important thing in comment – and that’s helping you to cut costs. Here’s how to adopt a ‘less is more’ mentality and save money as a thrifty essentialist minimalist…

DIY

Home renovation tips – How to plan your next big DIY project

Although I’m a keen DIYer, home renovations are not the same as home repairs, so it’s certainly something that needs a little more planning than simply getting out your toolbox! Here’s a guide to organising your next DIY project, step-by-step…

Happiness

Why making future travel plans can help boost your mood

Even if your travel plans are currently on-hold it doesn’t stop you from dreaming about future trips. In fact, looking forward to a something can be beneficial to your mental health. Here’s how to make exciting plans without spending a penny…

Festive

How to make money resolutions (that are actually do-able)

When midnight comes on New Year’s Eve it feels like a new start & we’re fired with enthusiasm for the year to come. Often, our new year’s resolutions are financial so here are some tips from an expert for setting achievable money resolutions for 2020…

Money Saving Tips

Interesting ways to save for a more secure financial future

Thrifty living is a great way to make your money go further but it’s only a part of the story. You need to ensure that the cash you save works as hard as possible for you. That means saving and investing that cash wisely – starting in January! Below is a brief overview of the various ways you could do this…

Personal development

Reading week tips: 6 Ways you can help your teen to settle into university life

If your teen has gone away to uni this year, what can you do to help them prepare for their life at University? Sure they might already be settling in, but they’ll be home for their first mid-semester ‘reading week’ soon and with many first year students having second thoughts about their choice of university or course, this is an important time to support them and help them stay in uni. Here’s some advice I could have used when I was studying…

Money Saving Tips

5 Monthly financial commitments I don’t have (+3 I would never give up!)

Did you know that in 2017-18 the outgoings of households in the UK was greater than their income for the first time in nearly 30 years? I was reading a report by the Office of National Statistics and it got me thinking about those financial commitments many people have that we could perhaps lower (or scrap altogether) in order to make up that shortfall and live within our means.

Money Saving Tips

Money advice: What on earth is cryptocurrency and how do I use it?

Do you know what cryprocurrency is? Are you completely baffled by it, like me? If so, today’s blog post is for you because I’m sharing my research into cryptocurrency so that we can all get to know more about this new way of earning and spending money online…

Money Saving Tips

Simple ways to find more money for your savings

If you’ve been saving for something special lately, or you simply want to make sure that you have some emergency savings in place for a rainy day, the following tips will help you to find more money for your future…

Festive

Making your money go further this Christmas

The decorations and mince pies are already on sale in many shops around the UK now and, with the nights starting to draw in, thoughts turn to Christmas. And also to the expense associated with the festive season, which for some is a stressful time of year. Here’s how to plan your budget ahead and keep yourself feeling happy about ‘the most wonderful time of the year’…

Money Saving Tips

5 Occasions when you really should read the small print

The world is full of small print and terms and conditions. They ping up when you update your apps and they’re on the back of your bank statements. I bet there are many times when you just don’t read the details and simply accept the terms – they’re just stopping you from doing what you went online to do anyway, right?? Nonetheless, there are some terms and conditions that you simply must read before diving in head first, so here are a few key times when you should check the details… 

Money Saving Tips

How to start investing in your 20s and 30s

If you’ve finished college or university and have started in your career and are looking at buying your first home (or maybe even starting a family) then this blog post is for you! You may think that there’s no need to start investing your money when you’re in your 20s and 30s – I mean, surely you need that money for other things? But, in some ways, this age is the freest you’ll ever be because you’re not studying and you may not have commitments like children, pets, a mortgage or elderly relatives yet.

Money Saving Tips

Who owes you money & how you can get hold of it

If you’re saving hard for a special occasion, home or holiday, you’ll want to gather together all the cash you can to make that dream a reality. So what if there was money out there – your money – that you could get back? Here’s some ways to reclaim your cash today…

HOME DIY

How to earn money from your spare room

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.

THRIFTY LIVING

Top 3 money-saving tips for teens

As a teenager, saving – and sometimes, making – money can often be a struggle. For many teens who are still in school, employment is

THRIFTY LIVING

My #SpendingDiary starts here!

I recently read a worrying report by the Children’s Society that one in 5 UK families are struggling with financial issues and suffering from ‘problem

THRIFTY LIVING

Home is where the heart is

It’s the dream of all young couples isn’t it? Up there with getting married and having children, buying your own home is at the top

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