Coping with Money Worries after the Christmas Period

Anyone else over indulge this Christmas? ๐Ÿ˜ Show of hands… โœ‹ Yep, me too. Whether it’s food, gifts, social events, or something else, I think we can all agree that Christmas can be a very expensive time of year. And that it’s all too easy to overspend. Like many people I set myself a budget on Christmas spending but more often than not go over it. I get caught up in impulse buying and picking up little stocking fillers for my family and friends. And I’m not the only one, they do it too! We do this because we love […]

Read more

Moving back in with your parents as an adult.ย 

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

Should you follow your dreams?

Recently I shared my wish/life list with some members of my family which was mostly met with laughter and comments of me needing to win the lottery, but it left me thinking – should you follow your dreams? I like this quote by Joe Vitale โ€” ‘A goal should scare you a little, and excite you a lot.’ Most of us are told at a young age to always follow our dreams but as we get older and things like bills and other responsibilities start to occur it seems to be more difficult to realise your dreams. Also dreams change. […]

Read more

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

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

Clothes shopping on a budget

When I decluttered and organised my wardrobe earlier this year I made a starter wardrobe list of items I wanted to buy. The items were to either fill in gaps in my wardrobe or to replace damaged items. I’m happy to say I’ve made a start on the list this month and it was easier than I thought it would be to stick to it. Typically I get caught up in impulse buying the “ooo so and so would love that for their birthday/Christmas/mothers day etc” type gifts. As I’m on a budget I stayed clear of full price where […]

Read more