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Goodbye pennies. Hello baby!

Goodbye pennies. Hello baby!

This is a post I’m very, very, very excited to be writing! If you read this blog, or follow me on twitter, I’m sure this will come as a huge surprise as I’ve not dared make a peep about it online until my little bundle was safely here. I’ve spent all of 2018 so far growing a human, and last month we fell head over heels in love with our baby as we became parents for the first time! It…

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The case for buying cars on credit

The case for buying cars on credit

A few months ago, I wrote a case for saving money on the small stuff. It’s not always popular financial advice, and maybe it doesn’t make you a millionaire, especially if you’re saddled with lots of big expenses that you can’t do anything to reduce. That doesn’t mean it’s not worth doing. Today I wanted to share another view that isn’t always popular, by making a case for buying cars on credit. I’m sure you’ve read it all before; don’t…

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Money lessons that weren’t about money (P.S. My gran is awesome!)

Money lessons that weren’t about money (P.S. My gran is awesome!)

My gran is awesome. She has reached the amazing age of 93 today! As I was baking fairy cakes for her- using the same recipe that she taught me as a little girl- I couldn’t help but think of all the little life lessons she taught me. Lesson 1. How to bake fairy cakes¬† There is such simple joy in baking fairy cakes. You don’t need flashy, expensive ingredients. You don’t need hours of time. You can clear your mind,…

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Repaying our mortgage- luck, or judgement?

Repaying our mortgage- luck, or judgement?

It took us 5 years and 3 months to pay off our ¬£103,000 mortgage. It’s not the quickest anyone has ever managed it, but by the vast majority of people’s standards, it’s pretty darn quick. (I still feel pretty staggered by it) It wasn’t super easy and there are lots of things we went without in order to make our dream a reality. That being said, we also had a fair amount of luck on our side too. I wanted…

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What race are we in, anyway?

What race are we in, anyway?

Slow and steady wins the race. That’s the mantra I’ve had since starting this site. It’s the idea that I know big results take time and patience. That making gradual but continual progress will get me to where I want to be. The question is, where do I want to be? Am I heading in the right direction? My journey There were 4 aspects about my journey that were important to me when I started to write; being generous, being…

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The case for cutting the small expenses

The case for cutting the small expenses

If you want to spend less, you can cut big expenses or small expenses. Or you can cut a combination of both. It doesn’t take a genius to figure out that cutting big expenses will save more. But that’s not to say you shouldn’t worry about the small expenses. When you’re stuck with big expenses There are some big expenses that we can choose to go without, or that we can reduce. Obvious examples are holidays and luxury vehicles. You…

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They’re probably doing it with debt

They’re probably doing it with debt

Have you ever looked at someone’s life and wondered how they’re doing it? How they’re affording nice cars, days out, designer clothes and overseas holidays? Perfectly curated Instagram feeds and glamorous Facebook statuses mean everyone has more people to keep up with. It’s difficult to see how people are affording lavish lifestyles but easy wonder how people afford a seemingly constant stream of expensive things. Behind the scenes Firstly, it’s easy to show what you want to show on social…

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Socking more into stocks and shares

Socking more into stocks and shares

They say that time flies when you’re having fun, and I can hardly believe that this is my fifth tax year of investing in a Stocks and Shares ISA! It’s fair to say that I felt nervous about investing in stocks, and as though I didn’t know enough. I knew I had to take the plunge whilst I was young enough to bounce back from any silly decisions, and had time to learn. My investing style To refer to ‘my…

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Breaking news: Frugality is not a competition

Breaking news: Frugality is not a competition

You could be forgiven for thinking extreme frugality was going to be a sport in last year’s winter Olympics. There are lots of degrees of frugality, and it takes a lot to win. Except its not a competition. I’d write about frugality more- I’m pro living below your means- except its a difficult subject to write about without appearing to be a sanctimonious know-it-all. I also know that being frugal is easier if: You have enough money for it to…

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Nudging your finances

Nudging your finances

When you start taking control of your finances, at whatever point that is/was for you, there’s a lot of big things you can do. The first time you switch gas supplier? Kerching! Shopping around for insurances? Kerching! Cancelling subscription services? Well, you get the picture. Once you’ve gone through your finances with a fine toothcomb three times, it can feel frustrating not to be able to do more. This has especially been the case for me, after a lavish trip…

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