Tag Archives: budgeting

Don’t fall out with family and friends over money

posted by in Living with debt Leave a comment

If you’re on a debt solution with us, get in touch with us before borrowing money off a loved one. It might be possible to reduce your payments to your debts temporarily to cover any emergency expenses.

No one wants to fall out with someone they care about over money.

Back in September 2016, our research showed how debt can damage relationships. Sometimes the person lending the money is struggling too.

 

This added pressure could result in the person lending the money blaming the borrower for their difficulties, which can damage relationships.

With this in mind, let’s look at the alternatives to borrowing money from your loved ones.

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Planning a baby on a budget

posted by in Budgeting Leave a comment

sleeping babyHaving a baby is one of the biggest changes that can happen in your life and with the costs of raising a child going up, it’s important to plan ahead.

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.

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10 things your Nan can teach you about budgeting

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As much as I loved my Nan when I was growing up I always thought she was a bit of a skinflint.

I have vivid memories from my teenage years of being embarrassed when she’d take me into charity shops, and annoyed when she’d nag me to switch off lights. I’d roll my eyes and sigh; 14-year-old me just didn’t care about saving money.

Twenty years later and I understand why she was always being thrifty: she believed in saving on the little things in life so that she could build a nest egg. Sadly my Nan is no longer with us, but I think some of the budgeting tips she taught me are timeless.

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Quit smoking, save the pennies for No Smoking Day 2017

posted by in Saving money 1 Comment

It's time to quit

How can something so small create so much pain?

You may have been debating quitting smoking for some time now. You’re probably well aware of what a drain on your budget cigarettes can be, but it’s easier said than done to give them up for good.

Believe me, we know how you feel; we have three ex-smokers on the team and one other who regularly steps out into the cold to light up.

Look at the budgeting you can do: cancelling a mag subscription? Easy. Buying more own-name brands than the more expensive food labels? A doddle. But, those cigs keep coming back, almost as if they’re taunting you. We don’t give a fig about your budget, they squeal, so we’re not going anywhere…!

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10 money-saving resolutions you need to make for 2017

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Whether it’s a commitment to work out more, smile more or help out more around the house, New Year’s resolutions come in all shapes and sizes. The chance to start over again can feel so refreshing, but sticking to our resolutions is another thing altogether!

One of the most common themes for new year’s resolutions is to save more money. Without a solid strategy in place however, you may struggle to keep up your good intentions on willpower alone.

We’ve put together a list of tips and tricks to keep your money-saving resolutions on the right track. Before we get started, let’s get all Game of Thrones-y and take a solemn vow to keep us focused on this epic money-saving quest:

This year, in order to be the master of money-saving I was destined to be, I hereby swear to…

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Maintaining your friendships when you’re in debt

posted by in Living with debt Leave a comment

When you’re trying to cut back on your spending, it’s almost inevitable that your social life might take a bit of a knock. You may be embarrassed about confiding in your friends about money worries, or even feel bad about turning down their invites to events.

We don’t want to see your friendships or relationships suffer while you’re dealing with debt, as having that support is really important to your wellbeing. The good news is it’s possible to keep your friendships strong, even if times are a little tougher than usual.

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9 free ways to boost your happiness

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There are times when we feel like we could do with a boost but can be hard to know exactly what to do to make ourselves feel better. It’s even harder to know how to increase your happiness if you don’t have spare cash.

Don’t worry though, there are plenty of ways to feel happy without having to spend a pound. Continue reading »

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