Saving Tips
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How to Save Money When Eating Out
Eating out is one of those things that people assume you can’t do if you’re on a budget. This is not true at all! Being on a budget doesn’t mean you can never eat out again. But it might mean that you need to become a little more creative and intentional. Budgeting often gets a bad rap as being restrictive and gloomy. At its bare bones, budgeting is simply making a plan for your money. You are taking back control over your money. If done correctly, your budget should ensure there is always money available for those things that add value to your life. If one of those things is…
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Personal Finance Journey – How I Saved £34k in 3 Years
Whilst I have always been a natural saver, I didn’t really get into personal finance until I started university three years ago. I was supposed to study abroad for my second year and found out I needed to prove I had access to £18k to get a visa. At this point I had zero pounds left in my savings, a part-time job and just eight short months to sort it out. Enter the personal finance community! I became frugal, got intentional about my spending and began side hustling. 6 months later I had over £8k in the bank and that combined with my upcoming maintenance loan, I had enough to…
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7 No Spend Challenge Tips: How To Smash Your Goal
When I was first beginning on my finance journey, doing a no spend challenge was one of my favourite things to do! And I’m going to spend all my no spend challenge tips in this post! I would set myself a no spend goal each month – whether that was a number of days or a set category – to reset my spending habits and become more intentional. This is not something I still regularly do as my mindset is very different now compared to when I started. I no longer need the challenge element to keep me focussed and intentional, that thinking style is now second nature to me! But…
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3 Saving Funds Every Girl Should Have
These three saving funds will become your secret weapon to feel financially confident! Financial success is all about planning for the worse – pessimistic I know! But it’s better to be prepared for the worse than be faced with it and have no idea what to do. In my opinion, being prepared is even more important when you are a woman. Statistically, we earn less, invest less and are more likely to be in situations where we need to leave immediately. So, whilst these funds are perfect for anyone, I think they are more important to have if you are a woman – especially fund #3. All three of these…
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5 EASY MONEY CHALLENGES
Money challenges are a great way to save money without even thinking about it. Most of these challenges include saving such a small amount at a time that you won’t realise it’s gone. Then at the end of the year it will come as a shock to see how each tiny amount has added up. You will have quite a nice sized amount. These are five of the easiest money challenges for you to give a go. THE PENNY CHALLENGE This is my favourite money challenge! Such a simple but effective way to save extra money – even on a low income. The concept of the penny challenge is to…
