Financial focus month week 3: No Spend Week

Welcome to the week 3 of the financial focus month. Today, we are starting a no-sped week. It’s easier than you think. Actually, if you have ever been broke you probably already know how to do this out of necessity. I am doing a no-spend week because: Christmas was expensive It’s nice to keep some money in the pocket Ain’t nobody got time for mindless … Continue reading Financial focus month week 3: No Spend Week

Financial focus month week 2: Money Audit

Welcome to the 2nd week in the financial focus month. This week will for some of you be really easy, for others not so. There is just one goal here: finish the week with an exact list of all the bank, building society, credit union etc accounts, cards, loans, pension pots, investment accounts, student loans, lines of credit, mortgages and alike, and how much money … Continue reading Financial focus month week 2: Money Audit

Financial focus month week 1: Shelf Cooking

It’s the New Year. It’s a little bit chilly. It’s a little bit hungover, and the festivity has been replaced with the dread of the work week starting again tomorrow. But it’s not all bad. Actually, quite the opposite. January is a great month to forget about the mistakes and financial failures of the past year and to start afresh. Throughout the month of January I … Continue reading Financial focus month week 1: Shelf Cooking

Five things to do in January

The end of the year is here. And I have zero new Year’s resolutions. Instead, I have five things to do in January, which will hopefully help in keeping me sane, not broke and somewhat organised. The lull period between Christmas and New Year is one of the few days in the year I genuinely dislike. This is because usually it’s cold, I have already … Continue reading Five things to do in January

What to do when your account is overdrawn beyond limit

I am touching on this topic in the run up to Christmas, because estimated 19 million people just in the UK regularly dip into the overdraft with close to 2 million permanently overdrawn (according to the Guardian). It is not unusual for people to get into overdraft right around this time of the year and remain stuck in either authorised or unauthorised overdraft for a … Continue reading What to do when your account is overdrawn beyond limit