Living on a knife edge

Living On A Knife Edge

Are you living on a knife edge ? Am I living on a knife edge ? A recent Yougov survey in the UK which sampled 7,500 families revealed that 44% of families only have enough savings to pay for one months rent or mortgage if they were to lose their jobs. 29% of families would […]

how big should your emergency fund be

How Big Should Your Emergency Fund Be

How big should your emergency fund be? An emergency fund is an amount of money that you put away for when a rainy day comes. Rainy days can come in an infinite variety – from the gearbox packing up on your car, to your roof leaking, or being made redundant – the list is endless. […]

Who wants to be a billionaire

Who Wants To Be A Billionaire ?

I watched this interesting program on TV last night Who Wants to Be A Billionaire One guy Naveen Jain was especially interesting, and gave away some great one liners “When you tell someone what you’re doing and they don’t think its a crazy idea – then you’re thinking too small” “I work long hours – […]

Nov 2013

December Spending Plan

A little good news amongst all the personal gloom. I’ve managed to shave off £1,200 ($1950) off my credit card debts over the last 3 months and have shifted over £6,000 ($9,200) from high interest paying deals to 0% deals. Shifting these balances onto 0% rates means that more of the repayments I’m making are […]

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Inflation The Silent Thief

Inflation The Silent Thief

Inflation The Silent Thief I’m very pleased to share 2 items of news with you today. The first is that I have opened a savings account. Not a big deal for most people – but for me its the first account that I’ve ever opened that doesn’t come with a card or cheque book. The […]

how big should your emergency fund be

How Big Should Your Emergency Fund Be

How big should your emergency fund be? An emergency fund is an amount of money that you put away for when a rainy day comes. Rainy days can come in an infinite variety – from the gearbox packing up on your car, to your roof leaking, or being made redundant – the list is endless. […]

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Getting Organised

I think I’m having trouble getting organised. Trying to juggle running a business, a family, a blog,  a side hustle and a very active social life has left me feeling rather frazzled recently. I’m beginning to question if I’m doing any of them particularly well?  If spreading my attention in too many areas means that […]

pay day loan

Payday Pain

Fancy some payday pain?   It seems as though taking out a payday loan can have long term repercussions on your personal finances. As well as having to pay eye wateringly high short term interest rates ( the highest I’ve seen is over 1750%pa) it seems as though there is now a long term sting […]

Bonfire night fire

A Slow Progression

I’ve just had a re -read of some of my recent posts – oh dear – I didn’t realise what a miserable, ungrateful, grumpy old git I have become. Sorry for inflicting my navel gazing on you. Its a monday morning, and like every monday morning – its a bright new start to the working […]

Best Home For Your Savings

The Best Home For Your Savings

What is the best home for your savings ? Traditionally deposit and savings accounts have been the save haven of investors looking to preserve the value of their savings. However, with rates of inflation now higher than deposit account rates, savers are now losing the purchasing power of their money each day they leave it […]

Fryer

My Frugal Friends

My Frugal Friends As well has having a frugal ride - I also have three very special frugal friends. Their names are Fryer, Roaster and Zinger. The lady below is called Fryer and she is the boss. We bought them as hatching eggs from Ebay – popped them into a polystyrene incubator and 3 weeks later […]