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Make These 5 Changes to Become Financially Confident
You don’t have to have a lot of money or a high income to be financially confident. Anyone can achieve this state of mind at any financial level. Get started today by making a few subtle changes to how you interact with your finances. Financial confidence is a state of mind rather than a number. It is that feeling when you are in control of your money and it isn’t in control of you. You could be in thousands of pounds of debt and be more financially confident than that guy at work who drives a Porsche. Reaching a state of financial confidence is something you have full control over…
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How to Save Money on Groceries
The current price of groceries is a big stress for a lot of people at the moment. Due to the cost of living crisis, prices just keep increasing and it’s hard to keep up. But with some planning and a little bit a savviness it is still possible to keep your food budget low. Enter today’s blog post – 8 easy things you can do today to save money on groceries. Shop your cupboards first Shopping your cupboards first will both save you money and reduce waste. Start by taking an inventory of what you have in. Check your fridge, freezer, and cupboards, and make a list. From this you…
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September 2022 Money Review
One month down, only eleven left of my gap year! Crazy how fast time flies when you are professionally unemployed 😂 But the end of the month means only one thing on this blog – time for a September money review! September did not really go to plan but I made the most of the situation. I ended up staying an extra two weeks with my parents because a housesit got cancelled. This was one I had organised with a friend so I wasn’t covered by any guarantee like I am when I housesit through Trusted Housesitters. But this meant for a very cheap month. This will be the last…
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How To Save With A Variable Income
Mainstream budgeting techniques and savings suggestions often ignore the fact that a lot of people have a variable income. They don’t get paid the same amount every single payday and often the paydays don’t follow a regular pattern. Therefore, it can be very hard to get into a saving rhythm. For example, a lot of finance experts suggest automation as the best technique for saving more. But this can be very tricky to implement when the amount you get paid changes each and every time. Plus it may not even be on the same date, so knowing when to set up the automatic payment for is hard. I have had…
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Travel Hacking a £145 Flight to NYC
Yep, you read that right, £145!! For a flight from London to New York worth £1,800. Do I sound smug? I’m feeling a little smug. But getting a deal like this has been twelve months in the making. How? Two words – travel hacking. Disclaimer – This post may contain affiliate or referral links which means I might receive a commission if you follow them. This comes at no extra cost to you! What is travel hacking? Travel hacking is the art of collecting points (such as BA’s Avios) which are then redeemed for discounted travel. Travel hacking is very popular in the US but there are deals to be…
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5 Golden Rules Of Credit Cards
Credit cards are an incredibly valuable financial tool if used correctly and strategically. Not only will they do wonders for your credit score, but many come with additional perks, like cashback and free travel. But underneath the fancy perks they are all essentially the same and there is a right and a wrong way to use them. These five golden rules will ensure you do the most positive damage to your credit score! #1 Pay the full balance off every single month Without fail. No excuses. You must pay your full balance off every single month. Using your credit card like a debit card is golden rule number one! You…
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The 6 Bank Accounts Everyone Needs
Managing your money doesn’t have to be complex – you can make it very very simple! The easiest way to do this is by splitting it up in different bank accounts. Having multiple accounts which all have a unique purpose makes managing your money so much easier and streamline. Being able to log in to each account and automatically see exactly what you have without having to do any complex mental maths is so helpful! I do want to caveat that personal finance should be just that, personal! Having multiple different accounts is the system that works for me and I believe will work for other people, but it won’t…
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7 Tips for Completing a No Spend Challenge
When I was first beginning on my finance journey, doing a no spend challenge was one of my favourite things to do! I would set myself a no spend goal each month – whether that was a number of days or a set category – to alter 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 I still maintain that No Spend Challenges are great financial tools you take advantage…
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June 2022 Money Review
June has simultaneously felt like both the longest and the shortest month ever. I cannot get my head around the fact that we are already half way through 2022, how is that even possible!! However, it is one of my favourite months of the year as it’s my birthday, the days are longer and brighter and the sun occasionally makes an appearance. But without further ado, lets get into it! What is a money review? It is where I share reflections on my finances from the previous month, and detail every penny in and out. I find doing this at least monthly is a good way to stay connected to your…
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5 Ways to Spring Clean Your Finances
There is never a bad time to dedicate a few hours to spring clean your finances. Arguably you should be doing these things multiple times each year. But if you don’t have the time then at least do these once a year. So if you are reading the list and thinking “I’ve never done that!”, this is your call to action!! Here are five ways to spring clean your finances. #1 Review your system Does your current system work for you? No? Why not change it and try a new system. Are you currently using pen and paper but loose it often? Maybe a spreadsheet would work better for you.…
