Our March 2018 Budget Report

Laptop and smartphone with pink flower - Our March 2018 Budget Report

It’s time for me to share with you our March 2018 budget report.

I know I say it every time, but I’m always so shocked when yet another month has passed. The first quarter of this year has vanished!

March was a month of financial ups and downs, but with careful spending, we ended the month with two home-delivered pizzas (via an online deal, naturally!). Continue reading “Our March 2018 Budget Report”

Our February 2018 Budget Report

Candle in heart-shaped case - February monthly budget report

It’s time for me to share with you our February 2018 budget report. How can March be here already?!

Things may have been easier for you in February, compared to last month. What do you think? Have you recovered from Christmas? Maybe you organise your money so you’re saving for Christmas throughout the year? Perhaps you don’t go over a set Christmas budget either? Let me know. If you’re not doing these things, why not start now? Continue reading “Our February 2018 Budget Report”

Five Possible Solutions for Tackling Crippling Debt – Part Five: Bankruptcy

Padlocks on a chain-link fence - Five Possible Solutions for Tackling Crippling Debt – Part Five: Bankruptcy

This series covers five possible solutions for tackling crippling debt. This is part five in the series with this article focussed on bankruptcy.

So far, we’ve looked at Debt Management PlansAdministration OrdersIndividual Voluntary Arrangements, and Debt Relief Order

I’ll explain what is and for whom it may be suitable. You’ll find out what you’d need to do to apply for bankruptcy, and what going bankrupt may mean for you. Continue reading “Five Possible Solutions for Tackling Crippling Debt – Part Five: Bankruptcy”

Five Possible Solutions for Tackling Crippling Debt – Part Four: Debt Relief Orders

Debt Relief Orders - A bump sign on a road

This series covers five possible solutions for tackling crippling debt.

Part one looked at Debt Management Plans, part two explored Administration Orders, and part three covered Individual Voluntary Arrangements.

In this post, I’ll explain Debt Relief Orders.

I’ll explain what they are and for whom they’re suitable. You’ll find out what you’d need to do to apply for one, and what having one may mean for you. Continue reading “Five Possible Solutions for Tackling Crippling Debt – Part Four: Debt Relief Orders”

Five Possible Solutions for Tackling Crippling Debt – Part Three – Individual Voluntary Agreements

Handshake. Five Possible Solutions for Tackling Crippling Debt - Part Three - IVAs

This series covers five possible solutions for tackling crippling debt. Part one looked at Debt Management Plans. while part two explored Administration OrdersIn this post, I’ll explain Individual Voluntary Agreements.

I’ll explain what they are and for whom they’re suitable. You’ll find out what you’d need to do to apply for one, and what having one may mean for you. Continue reading “Five Possible Solutions for Tackling Crippling Debt – Part Three – Individual Voluntary Agreements”

Five Possible Solutions to Crippling Debt – Part One: Debt Management Plans

Five Possible Solutions to Crippling Debt - Part One

We’d all prefer to live without debt, but for most Brits, it is not the reality. When debt repayments become difficult to make that’s when disaster can strike. In this series, I will explore five possible solutions to crippling debt, beginning with Debt Management Plans. 

According to their latest research, Comparethemarket.com says:

‘The average person with debt is in the red by over £8,000 (excluding mortgage repayments)..’

Continue reading “Five Possible Solutions to Crippling Debt – Part One: Debt Management Plans”

Our December Budget – How Did We Do? – Christmas Edition

Hands holding smartphone by laptop - Five Possible Solutions to Crippling Debt – Part Three - Individual Voluntary Agreements

Christmas is over for another year but now is actually a good time to touch on Christmas budgets.

It feels like ages since I’ve written a proper blog post. Like many people, I took advantage of the Christmas period by spending quality time with family and relaxing. Continue reading “Our December Budget – How Did We Do? – Christmas Edition”

Our November 2017 Budget – How Did We Do?

Our November 2017 Budget - How Did We Do?

It’s a little late, but I said I’d show you how our November budget went and how we did, so here it is!

November was an unusual month. We’ve been looking after a neighbourhood cat whose owners were unable to pay his vet bills. The poor cat had been wanting to spend a lot of time at ours. With me being a qualified Veterinary Nurse, I was quick to see that something was wrong with him. Three vet visits, medications, sedation, and blood tests revealed that he was F.I.V positive. and he had to be euthanised at the beginning of December. It broke our hearts, but we don’t begrudge paying the bills. Continue reading “Our November 2017 Budget – How Did We Do?”

What Are Sinking Funds and Why Do I Need Them?

Piggy bank - What Are Sinking Funds and Why Do I Need Them?

Have you ever heard of ‘Sinking Funds‘? If not, then you may be wondering what are sinking funds? Your next question may be whether you need them.

What Are Sinking Funds and Why Do I Need Them?

Sinking funds are savings for expenses you expect to encounter, but don’t know when. They may also cover infrequent events that don’t occur each pay period, such as Easter.

When setting up your Sinking Funds, you have various choices:

Continue reading “What Are Sinking Funds and Why Do I Need Them?”