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Month: October 2016

How to not be skint anymore

How to not be skint anymore

If you’re fed up of getting to the end of every month with no money less (or worse, getting to the end of your money with several days of the month left), it’s time to do something about it. No savings? Recent research found 4 in 10 working age adults in the UK have less than £100 in savings to cover an emergency. But the thing is, 25% of adults with an income of less than £13,500 have £1,000 in…

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50 Christmas Savings

50 Christmas Savings

50 Christmas savings that can help you stay within budget across the festive season. The closer we get to Christmas, the more easy it is to get carried away with an extra tin of chocolates or bag full of stocking fillers. It’s just one day and it’s not worth getting into debt for. Check out these 50 Christmas savings tips to help you keep your spending down. Shopping strategy The way you shop can really help you make Christmas savings:…

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Being generous: Inspiration from other money savers

Being generous: Inspiration from other money savers

Being healthy, being generous, consuming less and experiencing more, and achieving financial independence. Those are my goals. That is what tortoise happy means to me. Financial independence takes a huge amount of planning and will power. On the one hand, it could be easy to focus on money and lose sight of what is important. On the other, by constantly assessing what you value, financial strength can make you become more generous and mean you’re better able to help. Here…

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Is investing too risky for you?

Is investing too risky for you?

One of the simplest ways to save money is to open a savings account. You set up an automatic payment to send money to your savings account every month, or just do a transfer when you have the extra cash. It might only pay a low rate of interest, but hey, it’s better than no interest and you know exactly what you’re getting. Plus, it’s not just about the interest. It’s the peace of mind. Having money there if there’s…

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Creating (not paying for) Christmas magic

Creating (not paying for) Christmas magic

Do you want Christmas that’s full of joy, magic, and special memories? Of course you do! It’s easy to be seduced by glossy magazines and seasonal displays. Companies do a damn good job at Christmas advertising and who can blame them? They make a killing from us! Deep down, there’s a truth that we all know. Christmas magic can’t be bottled and sold; it’s created with love by you We put so much time into thinking about the gifts, but…

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How to save money AND treat yourself

How to save money AND treat yourself

Do you find you’re often spending money on pick me ups and treats after a busy day or tiring week, but you know you should be saving more? Here’s a way you can save money and treat yourself. Also known as having your cake and eating it too! Picture this: You got up late and missed your bus, leaving you to get caught in a torrential down pour that leaves you chairing your first meeting with soaking wet trousers clinging…

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Escape from your prison of debt

Escape from your prison of debt

Debt can make you feel like you’re trapped in a financial prison. If your debt doesn’t leave you feeling trapped- perhaps you just have a mortgage and can easily afford day trips and meals out- well, that’s a bit like one of those open prisons. You might not be relentlessly checking your bank to see which payments have gone out, but you don’t have the freedom to spend your money on what you want. Like the prisoners of Alcatraz, to…

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