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Month: August 2016

When a penny saved is more than a penny earned

When a penny saved is more than a penny earned

The saying ‘a penny saved is a penny earned’ in one that most people know; its certainly something I heard repeated a lot as I was growing up. It’s not a particularly exciting concept though, not spending money. It gets more exciting when a penny saved is a penny that’s earning (I know, it doesn’t have the same ring to it). This isn’t intended as financial advice by the way, just information to help you make decisions with your money…

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How to find good food at reasonable prices on your holidays

How to find good food at reasonable prices on your holidays

For many, food and travel go hand in hand. Unfortunately, it’s not as simple as finding a city that’s known for its culinary riches. It takes a bit of time and effort, but these travel tips will help you find local gems that offer authenticity and aim to avoid the tourist price tag. None of the links in this article are affiliate links, which means I don’t earn a penny if you click on them, even if you make a…

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How to get a more authentic travel experience and save money

How to get a more authentic travel experience and save money

You may think it’s not possible to have a more authentic travel experience and save money. Whatever your financial goals, the prospect of paying less for more is certainly an attractive one! If you’re wondering how you can travel whilst limiting the impact on your finances, these tips will help you do just that. Its focussed on city breaks, as this is where these tips work best, but you may find these useful on all sorts of holiday. No. 1….

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Fear of missing out? Use it to make good financial decisions

Fear of missing out? Use it to make good financial decisions

People often say they end up spending money they hadn’t planned to because of a fear of missing out (FOMO). And it’s justified because you only live once (YOLO), right? It’s something I really struggle to wrap my head around. I have a fear of missing out on all sorts of stuff and it has  long had an impact on the way I make financial decisions but not in the way you might expect. When I’m presented with last minute…

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Three key things that made our mortgage free dreams a reality

Three key things that made our mortgage free dreams a reality

  There are three key things that I believe made our dream of mortgage freedom a reality. We became mortgage free in July 2016 after working towards our goal for almost five and a half years. It wasn’t easy and it wasn’t just 3 things that got us there- there are lots of smaller things we did to manage our money better every day, week, month and year. This absolutely isn’t intended as advice, and you should make sure you…

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Things not going to plan? Embrace it!

Things not going to plan? Embrace it!

Sometimes, its good when things don’t go to plan. This week, I’ve been drawn in by Stephen Hawking’s ‘A Brief History Of Time’ and all because my plans went slightly awry… What was the plan? Over the last few years, I’ve had various attempts at trying to declutter the house without being fully successful (hence why I’m setting mini goals now). One of my husband’s favourite quotes is Albert Einstein’s definition of insanity “Doing the same thing over and over…

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Don’t wait until January to make a change- carpe diem!

Don’t wait until January to make a change- carpe diem!

For many, the turn of the New Year is the point of making resolutions for the future. Perhaps it is symbolic, the start of the new year and the opportunity for a ‘new you’. Or, it may be to undo the negative consequences of Christmas. It is common to set a new challenge for yourself at the turn of the new year, but I’m going to challenge you not to put off what can begin today! Here are some of…

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Set yourself a monthly goal and start making changes today

Set yourself a monthly goal and start making changes today

If you think about where you want to be in 5, 10 or 25 years, the size of the challenge ahead of you is sometimes so daunting that you don’t make the first step, or you find it difficult to know what the first step should be. Or you might have so many goals that you don’t know where to start, or feel like your days are too busy to cram anything further in. Setting yourself a specific goal to…

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