How to create a good personal budget

We’ve all heard this story in the personal finance community. Somebody draws up a shiny budget sheet full of formulas, dependencies and maybe even a pivot table or two, uses it for about a week and then decides their ‘budgeting phase’ was a flop. This article will offer some of the most useful principles for budgeting which will help you to get your budget right … Continue reading How to create a good personal budget

Belongings in my 20s vs belongings in my 30s

I have been pottering around the house today and noticed a life trend. As I moved from room to room I realised that my belongings no longer look like the belongings I had in my 20s. In today’s article I’ll take you through the key differences I have spotted between my things back then and now. Before I get into listing the differences out, it’s … Continue reading Belongings in my 20s vs belongings in my 30s

Expenses I cut during the lockdown and what they’ve been replaced with

I’m about to start week 9 of being in a lockdown. NINE. That’s full 8 weeks or 56 days done, almost two months. And a lot can change in a budget in the span of two months. Today I’ll tell you about the key expenses which are no longer a thing in my budget, and what they’ve been replaced by. Going out Everything is shut … Continue reading Expenses I cut during the lockdown and what they’ve been replaced with

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

‘Brexit’ the UK and take your pension pot with you?

United Kingdom is a country where pension enrolment is compulsory. This means that every person over the age of 22 but below state pension age, employed, working within the country and earning above £10,000 per annum has a personal pension pot. A regulation making enrolment into workplace pension compulsory for everybody meeting these criteria took effect in February 2018. I am not leaving the country … Continue reading ‘Brexit’ the UK and take your pension pot with you?

What I am giving for Christmas – a truthful gift guide

A short while ago I wrote a blog post about not going bankrupt over Christmas spending. This post is a follow-up telling you exactly what I am gifting this year to my nearest and dearest. I don’t budget for Christmas separately anymore, I just save less in December and that  gives me a very definite budget as I don’t like to reach out for savings … Continue reading What I am giving for Christmas – a truthful gift guide

Not going bankrupt over Christmas

It’s almost Christmas, the most expensive holiday of the year! I left home at the age of 19 and moved across the continent. This Christmas is the 13th Christmas which I am celebrating as a responsible (ish) adult, a daughter who lives far away, an aunt who loves to spoil her niece and nephew, a girlfriend of another family’s eldest son and an employee of … Continue reading Not going bankrupt over Christmas