A little late with this, but here’s my review of January. My targets were simple… To stay in budget (and prove I actually could…) To save a little towards my two main goals – a university fund for my daughters and my pension pot, and thereby gradually increase my net worth. How did I do?… Continue reading January in Review
I’m not a fan of January. The fun of Christmas has gone, days are dark and no matter how much extra income I earn (which is never very much but still…), it just disappears against a myriad of outgoings. All the children’s bills seem bigger in January – lots of stuff is invoiced termly: clarinet… Continue reading Bringing home a little more bacon – finding sources of extra income
You need a budget…no seriously, you do! You Need A Budget (youneedabudget.com, also known as YNAB) is the software I use to plan and track my money and I love it. I cannot sing it’s praises enough. When my debt problems got out of control, I turned to moneysavingexpert.com (MSE) – a U.K. based website and… Continue reading How I stay on track…
Been a few days since I posted on here…I’ve been having a few doubts about keeping a financial blog. It feels so revealing – posting things about debt when I haven’t even told friends and family.Then I looked at my stats and realised no-one had even looked at my blog posts! I don’t know what… Continue reading Ebay success!
My lightbulb moment came last year – I have been in debt most of my adult life, but in 2016 it started spiralling out of control. It was clearly time to learn to manage my money. My debts are now history (more about that later I’m sure) but I still have spendaholic tendencies that need to… Continue reading If you have but two pennies left, spend one on bread and the other on a flower…
Two Pennies Left 