Category Archives: Budgeting

I’m in debt and facing redundancy. What do I do next?

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Earlier this month Littlewoods’ owner, Shop Direct, announced plans to close multiple sites. We’ve also seen similar announcements from Debenhams, New Look, Homebase, Toys R Us and the ‘big four’ supermarkets – Tesco, Asda, Morrisons and Sainsbury’s, to name a few – in recent months.

The impact of Britain’s declining high street could see thousands of jobs and families affected.

For most people, the thought of redundancy and managing on a reduced income is a worrying one. But, if you’re already having money troubles and now you’re facing redundancy, you might see your self-esteem drop, feel isolated or struggle to keep a positive attitude.

We know it’s easy to say, but redundancy isn’t your fault, and you’re not alone. What should you do if you’re in debt and facing redundancy?

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Store cupboard essentials for cheap and easy meals

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Keeping a few essential items in your cupboard can save serious money on your food budget. These favourite ingredients offer the best value for money because they’re versatile and long-lasting – and, most importantly, are guaranteed to produce really easy, hassle-free meals.

I regularly set myself the ‘Eat the kitchen’ challenge. This means I rummage through my cupboards, fridge and freezer, devising meals ideas which don’t involve buying extra ingredients.

Doing this has taught me which store cupboard essentials I regularly rely on to come up with meals requiring little preparation and hardly any spending.

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Your 2018 10 step financial detox

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Now that we’re in a fresh New Year, it’s all about clean slates, resolutions and working towards being our healthiest in all aspects of life, including money. There’s no better time to give yourself a financial detox!

Let’s make this year the one where you conquer your money woes once and for all. We’ve put together a list of ten financial detox tips to keep you on track…

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6 changes I made to save money on my supermarket shopping

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During a recent cash flow crisis, I decided to stop making unnecessary purchases. I thought I was being sensible, but the money in my current account was dwindling away at an alarming rate.

I couldn’t understand how I was spending so much, when the only time I spent money was at the supermarket.

All those quick trips to get a “few things for tea” were mounting up.

I had to completely change my approach to food shopping. Along the way I learned some useful lessons the hard way. Here are six things I changed that meant I could stick to a grocery spending budget.

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Jam-jar budgeting: The simple trick to organise your finances

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We’ve talked in the past about ways you can use technology to help you budget, but there’s one particular bit of tech that’s been around for hundreds of years you can use too. The jam jar. Or, more accurately, a few jam jars.

My Grandma used this method to manage her household finances. She didn’t have a lot of money when she was younger, but she used jam-jar budgeting to keep track of her money and she always knew how much she had.

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How to budget your money

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The first step to getting in control of your finances is to create a budget. This will help you understand what your income is, and what you’re spending your money on each month.

Let’s take a look at what budgeting is and go through a step-by-step guide to making a budget.

how to budget

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How to keep the kids occupied this summer for less

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The summer holidays are here! It can be a tricky task to keep the kids happy for six or eight whole weeks, especially with soaring costs making the task even harder.

kids occupied this summer

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