Category: Budgeting

Budgeting

What women can do to protect themselves from the pension gender gap

This is a paid partnership about the pension gender gap, with PensionBee. Equal pay has been hitting the headlines a lot recently, but did you know that there is also a pension gender gap? According to a report by Close Brothers Asset Management, the average amount of money in a woman’s workplace pension scheme is less than half the amount of their male colleagues. This is a shocking statistic and in this post I am going

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How to set a budget and stick to it
Budgeting

How to set a budget and stick to it

Budgeting. It’s the first step to nailing your personal finance situation, reaching your savings goals and living a debt-free lifestyle. Budgeting can help make you feel more in control and more secure which means it’s definitely something to consider if you’ve never tried setting a budget before. If you’ve already tried budgeting, but it hasn’t worked out, I’ve got a load of ideas to help you stick to a budget plan like never before. So-

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How to pay off debt with an irregular income-2
Budgeting

How to pay off debt with an irregular income

Emma at My Debt Diary explains how to pay off debt with an irregular income and gives us real active tips on how to go about it.  Paying off debt is a challenging task for anyone to face. When you don’t know how much money you’re going to earn next month it can become unbelievably daunting. How will you ever clear your debt mountain if you can’t even track your numbers? Here is some guidance

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The Easiest Way to Become Wealthy
Budgeting

The Easiest Way to Become Wealthy

Perry from Stupid is the Norm explains how a different mindset can make you wealthy.  The occupations of my friend group included the CEO of a global pharmaceutical plant, Director of a large marketing company, an anesthetist, a Quantity Surveyor and others. All professional, highly qualified guys. At age 55, the first of us able to retire was a guy who worked in a bank. He’d worked for the bank since leaving school, diligently working

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5 ways to save money in 2018
Budgeting

5 ways to save money in 2018

With 2018 upon us, many of us are looking at ways to save money throughout the year. Whether it is to pay off debts, save for a holiday or to build up an emergency fund, we could all do with saving more money. Here are five great ways to save money in 2018. Set a budget The top thing you need to do in order to save money in 2018 is to set a budget.

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The Secret to Saving Money During Black Friday
Bargain

The Secret to Saving Money During Black Friday

Black Friday is a great time to make use of sales and save lots of money in the run up to Christmas, but it is also easy to get carried away and spend more than you want. Black Friday is happening later this week, on 24 November 2017 and I have teamed up with MyVoucherCodes to share five ways to save money during Black Friday. Remember that although Black Friday is happening on 24 November

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10 easy ways to save money that we should all be doing (1)
Budgeting

10 easy ways to save money that we should all be doing

When it comes to saving money, there are two things to consider – spending less and putting more money into savings. There are lots of easy ways to save money, there’s even one that allows you to grow your savings automatically without lifting a finger! Why we should be spending less Spending less money has lots of benefits! They include: The biggest motivation for me to spend less is that I then get to spend my

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Budgeting

1% at a time challenge

When you have a financial goal, whether it is to become debt free or to save up for something, it can be really hard to stay motivated. I picked up with trick a few years ago and I absolutely love it. This simple trick has helped me to become debt free and to save money much more easily. It is the 1% at a time money saving challenge. The trick is to divide your goal

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FairFX pre-paid currency card review & get a free card
Budgeting

FairFX pre-paid currency card review & get a free card

Updated January 2017 I have been using the dollar FairFX pre-paid currency card since 2011 and I cannot recommend it enough for foreign currency. The FairFX travel money rates have always appealed to me. Benefits of a FairFX currency card There are so many benefits to have a pre-paid currency card. The FairFX card is a Mastercard, meaning that it is accepted worldwide. It helps you to budget on a trip – whilst you can top up your

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how-to-budget-for-and-save-money-on-your-car-repairs-2
Budgeting

How to budget for (and save money on) your car repairs

It makes sense to save money to cover emergencies or unforeseen expenses. When it comes to car repairs, especially ones you weren’t expecting, they can be a serious hit on your finances. Here’s some ways to help you build up a financial safety net, and some tips to make sure your emergency fund stretches further. Budgeting for your car A car comes with a number of set expenses – fuel, tax, insurance, etc. To save

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Budgeting

How to easily save money on your household bills

A great way to save money every year is to spend some time looking to see if you can get your utility bills and other annual spending cheaper by switching tariffs or switching providers all together. I try to do this every year, but I often forget when contracts end, and I only get around to searching for the best deals about 6 months after the contract ended, oops! Just last week I spent an

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Budgeting

Preparing for a mortgage application

Getting a mortgage is a big step in anyone’s life, but it can also be a very stressful time. Before applying for a mortgage it is a good idea to prepare properly. It might take a few months to prepare, but it is worth it to get your credit rating in tip top condition, allowing your potential mortgage lender to view your credit risk as low. This helps you to not only secure a mortgage,

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6 things to do when you can't pay this month's bills
Budgeting

6 Things To Do When You Can’t Pay This Month’s Bills

Something has happened. Illness, redundancy or a large emergency spend, and now you can’t afford to pay your bills this month. It is a horrible place to be in but there are still things that you can do to survive this month and the next few months. Here are 6 things to do when you can’t pay this month’s bills. Think positively even when you can’t pay this month’s bills Remember that this isn’t permanent and

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Budgeting

Save money on taxi journeys with Uber and get £20 FREE

If you are fed up with the price of taxis worldwide then you might want to consider using the Uber app. Upon registration you will submit your payment details, and when you want to request a ride you simply open up the app and request a local driver. You will be shown an estimate of the fare and only once your trip is complete will your payment card be debited. This means that you don’t

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Budgeting

Gousto review & £25 off

The idea behind the Goutso Recipe Box it is that every week you pick out three recipes to try out, and Gousto will send you organic ingredients in exact portions with easy to follow recipe cards. Every week there are 10 different recipes to choose from, including vegetarian options, and you can choose to feed 2 or 4 people (currently these are the only options). The prices vary depending on how many people you want to cater

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How to manage your money better
Budgeting

How to manage your money better

We would all like to manage our money better. I used to get stuck looking at my balance and trying to figure out whether certain bills had come out and whether I would have enough money to cover the next bill. Now I don’t have that problem, due to a banking system that is known as piggy banking. Piggy banking is where I take my income and divide it into separate “pots”, depending on what

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