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
Well, the month of a December was a bit of a fail. Not a terrible, unplanned fail, but still a fail. The main things which pushed my budget over the line were: Travelcard. Instead of getting a monthly travelcard for the month of January, in the long run it was cheaper to get the annual one. The price raises on a yearly basis for London. … Continue reading Budget recap: December 2018
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
Guys and girls, I am revealing my 2019 budget. Given that it is 2019, it was about time! You can listen to me talking you through it over on YouTube, but in the meantime here are the key bullet points that govern my budget: 2019 is about saving more I don’t expect my income from main work to go up I have no idea how … Continue reading 2019 Budget with REAL NUMBERS
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
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
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
