Tag Archives: budget

How to prepare for your DMP review

posted by in Living with debt 1 Comment

So your debt management plan (DMP) has been ticking over nicely. Hopefully your creditors have stopped or reduced contact with you and you’re budgeting like a pro.

But we know that this isn’t always the case; kids grow older, bills go up, and your situation can change and adapt.

Reviewing your situation every year, and when things change, can ensure that your DMP is working as it should.

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6 ways for stay-at-home parents to make money

posted by in Making money Leave a comment

Stay-at-home mums and dads are some of the busiest people on the planet. Switching roles between tear-wiper and hug-dispenser to lunch-yielder and ponytail-architect doesn’t leave lots of room for making some extra cash.

Fret not! Our pal Kamal Khurana from Moneymagpie.com is here to give parents a helping hand…

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My 4 favourite cheap homemade beauty products

posted by in Saving money 1 Comment

Natural beauty products

Pamper yourself with these thrifty beauty tips

When you’re on a budget it can be difficult to justify a bit of pampering. Over time however, I’ve found that many kitchen cupboard fillers can be used to make brilliant beauty products for a fraction of the price.

Here are some of my favourite ideas which can be adapted to suit you or whatever you happen to have lying around in your cupboard.

I always recommend trying a small patch test first and of course don’t add anything in that you know already irritates your skin! Continue reading »

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How to avoid over-spending on Christmas ‘grudge’ purchases

posted by in Budgeting 5 Comments

Christmas grudge spends

They’re not happy about the cost of the wrapping paper

Christmas, bah humbug. Well, it seems that the season of goodwill does bring out the Scrooge in a lot of us.

A recent study found out that we have a number of ‘grudge’ purchases we feel forced to make, and a number of Christmas ‘gripes’ that really get on our nerves. And all of these gripes, groans and grudges involve money. So how do you avoid wasting money on stuff you don’t need?

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Four last minute Mother’s Day gift ideas

posted by in Budgeting Leave a comment

Make mum feel special without breaking the bank

Make mum feel special without breaking the bank

Ah, Mum. There’s no one quite like her, and every year we promise we’ll make Mother’s Day a really special day for her…

But every year most of us make that same desperate dash to the shops or the petrol station on Sunday morning, looking around in despair at the gutted card racks and the distinct lack of flowers.

The problem with Mother’s Day is that it’s one of those sneaky holidays. It seems to creep up on you just as you start to get over Valentine’s Day and instead drool for Easter eggs.

Never fear! Your trusty friends at MoneyAware have put together a little cheat sheet of cheap and cheerful YouTube ideas to make your Mum’s special day extra special.

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If you’re on benefits, changes are coming in 2013

posted by in Debt news 103 Comments

The changes could leave you with less cash

The changes could leave you with less cash

There are some big changes to housing and other benefits that will come into effect in April 2013.

If you receive housing benefit to help you pay your rent it’s important that you understand these changes to see if you’ll be affected and what you should do.

Let us take you through the changes so you can start to plan now. Continue reading »

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Alternatives to using credit cards

posted by in Budgeting Leave a comment

Credit cards in hand with shopping bags

Credit card debt is on the decline.

Over the past two years we’ve seen a decrease in the number of clients coming to us needing help with credit card debts.

But if you think you’re spending too much on a credit card, or are already in debt management, how can you avoid getting into further debt?

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