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Moving back in with your parents as an adult. 

Moving back in with your parents as an adult can seem like a huge step backwards, you may feel like you’re losing your independence and you may experience ridicule or teasing from friends or other family members. Luckily the latter hasn’t happened for me but I think I would miss living in my own place. In reality, moving back home maybe the last thing you thought you’d do, but you’re doing it because you’re working towards a goal and have a family willing to offer you some support.  For us, it’s the right decision and will help us achieve our Read More…

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Monthly budget and finance recording

We reviewed our finances recently and set ourselves a monthly budget; my aim is to be debt free (student loan, credit cards) in 12 – 19 months and we’ve talked about starting to save for a house deposit afterwards. I’ve previously spoken about some of the things I do to help budget (see my food shopping on a budget, clothes shopping on a budget and budgeting posts), which I still use, but after recording our finances we found we were spending a lot of our budget on food shopping or meals out and thought about ways to cut back. We Read More…

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Food shopping on a budget

In our house, we go food shopping each week, mostly for the perishable items e.g. milk, then do a larger monthly (or sometimes bi-monthy shop) including frozen foods, toiletries and house hold items e.g. cleaning supplies. I’ve been trying to properly budget the amount we spend on food shopping each week. Here are some of the things I’ve been trying and that work for me (some are recycled from my budgeting post):- Don’t shop for food when your hungry! I find that most of impulse food shopping happens when I go to the shop hungry. Compare brands and check prices. Read More…

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Clothes shopping on a budget

Remember that clothes shopping list from my previous wardrobe organisation post? Here’s a reminder:- 1 long sleeved top – white or black 2 plain colour tshirts 1 plain black tshirt 1 smart skirt, suitable for work but also a smart/casual night out – black? 1 white and 1 colour button down shirt, as mine ended up in the “to go” pile A dressier shirt in a colour – think texture or patterns Smart/casual trousers, but not jeans or black “work trousers” – Khaki’s, linen trousers? A graphic sweater – Think big, fluffy, having a bad day and need comfort. David Read More…

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Budgeting

Since moving out of my parents house nearly 2 years ago now, I’ve been trying to cut down on my monthly expenses – budgeting. Of course there are still the things I have to pay for each month, the non negotiable outgoings, rent, council tax, utilities, insurance, phone, internet, tv subscription, credit card and obviously food, but anything else I’m trying to cut back on. Here’s what I’ve been trying so far: Making & baking: Instead of paying for things such as cakes, cookies, pizza etc – basically anything that can be easily made at home – I’ve been making/baking Read More…

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2012 so far

At the beginning of 2012, I made a list of goals I wanted to achieve this year (resolutions, if you like). Now that it’s past the half year mark I thought I’d have a look at whether I’ve stuck to those goals and how they’ve changed! Goal set: Cook and Bake more often I can cook, I can bake—often I’m just too lazy too (especially with the former). I’d like to change that and I have been (I’ve also been eating healthier). 🙂 Goal met? Half of this goal is working out – I bake more – a lot more. Read More…