Hormonal ups and downs bring feelings of excitement, anxiety, nervousness, elation and fear; but along with managing all these emotions your finances play a massive part in preparation for a baby.
Pavan Gata-Aura is a qualified debt advisor with 6 years of experience. She enjoys spending time with her two children, fundraising for charities, has spent time volunteering in Africa and takes part in organised races.
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There are things we all wish we knew when we were younger.
In hindsight maybe we should’ve paid that student overdraft back a lot quicker – or not taken it in the first place? And why didn’t anyone explain to me that the discount for opening a high street store card didn’t outweigh the amount of interest I’d pay over the months it took me to repay it?!
Looking back it all seems obvious now. Money management is one of life’s most valuable lessons, so let’s use our experiences and teach our kids at a young age so they don’t make the same mistakes.
Last month we asked you on Facebook for your best money tips for the kids. Here are some fun ideas to help you get started…
As a working mum to an active 18-month-old and another on the way, time is precious. When it comes to food shopping, the need to be organised and plan ahead is vital, not only for the health and wellbeing of my little one but also the health of my bank balance!
So how can we all spend less on food while still producing yummy meals? Well, it’ll take some organisation and practice, but trust me…if I can do it, anyone can! Continue reading »
The big events in life keep getting more and more expensive. Owning a house, getting married, travelling the world, having kids, even learning to drive and owning a car is becoming too expensive.
Most people would consider a house to be the biggest expense you’ll ever have, but recent figures have shown that childcare costs are similar to the average annual UK mortgage payment (which was estimated at £7,207 in 2012).
There are so many options out there when it comes to childcare.
Having recently been through the turmoil of entrusting the most precious thing in my life into the hands of relative strangers, I totally empathise with anyone having to do the same!
No matter what you choose, it’s important that you plan early. There may be waiting times if your area is oversubscribed so thinking ahead will help to ensure that you’re not forced into making a decision. Continue reading »
There’s a great way to keep fashionable and save your pennies at the same time. It’s been around a few years but the term ‘swishing’ still isn’t that commonly known.
So what on earth is swishing?
Do these sound familiar?
‘Clear all your debts today with one easy monthly payment’
‘Fast pay out, whatever your credit history’
‘We like to say yes’
‘Apply online now for a quick decision’
These are just some of the tempting offers that we see daily, inviting us to look at consolidating all our debts into one easy payment. But should you consolidate your debts? What are the pros and the cons?
We often get questions about what is the best way to consolidate debts or how to go about it. We don’t tend to recommend it as we think that consolidation is rarely the best option.