Debt is depressing as hell. It’s like your past self is reaching through time and robbing your bank balance on a monthly basis. But once you’re in it, you’re in it — and it’s time to get out. It might feel like a mountain but you’ll get there. We are — slowly but surely. It’s required focus, some entrepreneurialism and sacrifice. But at the time of writing we’ve paid off £1,600 in five months. The following has helped us focus, prioritise and shrink our total debt.  Face the fear It’s not a great feeling — but you need to write… View Post

If you’d asked me a month ago whether I was getting a good deal on the various insurance policies we have, I would have said an unequivocal ‘yes’. Of course I was.  Then I received the renewal documents in the post. Car insurance? Up £50. Contents insurance? Up £35. The cost of living is ever-increasing; food bills are going up, energy bills are going up, rent increases every year… did I want to willingly spend another £7 a month on bills which I could potentially cut? No. No I did not. Car Insurance Thanks to a handy automated email from… View Post

I reckon it’s happened to all of us (millionaires excluded, obviously). Your car splutters to a halt, the fridge breaks and your cat/dog/fish needs emergency surgery. And all in the same month as your best friend’s wedding in Bali. And you need buy a present. Your monthly salary just isn’t going to cover it — something’s gotta give. This is where these funds come in — i.e. different pots of money, separated from your main account, which can be used to pay for both unexpected and expected expenses.  Emergency Fund This is a “does what it says on the tin”… View Post