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✨London Town✨Another week & another trip to London, this time to a different office with a half decent view!A spend of £6 for coffee and a good old Tesco meal deal 👍🏼, back home and a day off tomorrow! The expenses for this trip will be paid Friday & that should be all the travelling for 2019 done🙌🏼💫_____________________________________________________________ #moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife

✨London Town✨Another week & another trip to London, this time to a different office with a half decent view!A spend of £6 for coffee and a good old Tesco meal deal 👍🏼, back home and a day off tomorrow! The expenses for this trip will be paid Friday & that should be all the travelling for 2019 done🙌🏼💫_____________________________________________________________#moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife
32 3 21 hours ago

SELFISH POST ALERT. Now we all go one about looking after our health and wellbeing and with that comes self care. Self care for me comes in the form of nails. I've tried to go without them but it just made me unhappy. And what's the objective of life?? To be happy when you can be surely. We put beauty in our budget and I used to feel guilty about it but guess what now I don't. I have £3 remaining which I managed to save by going old skool and having them painted with normal nail varnish opposed to gel. 20 mins of my life I'm never getting back mentally. But financially it saved me £5 so it's got to be a win! @frompenniestopounds she often says if you want a takeaway or nails or whatever as long as you budget for it. It's fine. (if you don't already follow her... Highly recommended). #wellbeing #selfcare #beauty #nails #budget #plan #cashflow #debtfreejourneyUK #ukdebt #debt #daveramsey #mentalhealth #doyou

SELFISH POST ALERT. Now we all go one about looking after our health and wellbeing and with that comes self care. Self care for me comes in the form of nails. I've tried to go without them but it just made me unhappy. And what's the objective of life?? To be happy when you can be surely. We put beauty in our budget and I used to feel guilty about it but guess what now I don't. I have £3 remaining which I managed to save by going old skool and having them painted with normal nail varnish opposed to gel. 20 mins of my life I'm never getting back mentally. But financially it saved me £5 so it's got to be a win! @frompenniestopounds she often says if you want a takeaway or nails or whatever as long as you budget for it. It's fine. (if you don't already follow her... Highly recommended). #wellbeing #selfcare #beauty #nails #budget #plan #cashflow #debtfreejourneyUK #ukdebt #debt #daveramsey #mentalhealth #doyou
46 11 4 December, 2019

Debt total update under 24k. £23,899.13 to be exact. Looking back this is amazing as figures on the 2nd Feb THIS YEAR 2019 stood at £32,634.13. Half way!!! I finally feel we are getting somewhere. Still a long hard road ahead but we are heading in the right direction. #under #debt #ukdebt #debtfreejourney #wecandothis #hustle #daveramsey #gettingthere #progress #rightdirection #inspiration #support #budget #save #sidehustle #dfj

Debt total update under 24k. £23,899.13 to be exact. Looking back this is amazing as figures on the 2nd Feb THIS YEAR 2019 stood at £32,634.13. Half way!!! I finally feel we are getting somewhere. Still a long hard road ahead but we are heading in the right direction. #under #debt #ukdebt #debtfreejourney #wecandothis #hustle #daveramsey #gettingthere #progress #rightdirection #inspiration #support #budget #save #sidehustle #dfj
120 15 4 December, 2019

6 month update!
In 6 months we have paid about £9k of our debt which is absolutely fantastic! I don't think we would have come close to this if we never documented our journey and made ourselves accountable. Theres times when we thought we weren't making enough progress but when we compare were we are now to when we first started it makes us realise how much progress we have made 😊😊
We have been thinking long and hard about what our goals will be for 2020 and once they are finalised we will be posting them soon!
#debtupdate #decemberdebt #december #ourdebt #debtfreejourney #debtisdumb #debtfreecommunity #debtfreecommunityuk #debtfreeuk #debtfree #ukdebtfreecommunity #ukdebt #ukdebtfree #savings #money #cash

6 month update! 
In 6 months we have paid about £9k of our debt which is absolutely fantastic! I don't think we would have come close to this if we never documented our journey and made ourselves accountable. Theres times when we thought we weren't making enough progress but when we compare were we are now to when we first started it makes us realise how much progress we have made 😊😊
We have been thinking long and hard about what our goals will be for 2020 and once they are finalised we will be posting them soon!
#debtupdate #decemberdebt #december #ourdebt  #debtfreejourney #debtisdumb #debtfreecommunity #debtfreecommunityuk #debtfreeuk #debtfree #ukdebtfreecommunity #ukdebt #ukdebtfree #savings #money #cash
20 1 3 December, 2019

✨October & November Payments✨ I realised I didn’t update this for last month also. My last update I didn’t think I’d match 2018 totals but it looks like we just might - by a tiny little bit but still paying off more in 2019...just!🤞🏼_____________________________________________________________ #moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife

✨October & November Payments✨ I realised I didn’t update this for last month also. My last update I didn’t think I’d match 2018 totals but it looks like we just might - by a tiny little bit but still paying off more in 2019...just!🤞🏼_____________________________________________________________#moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife
29 1 3 December, 2019

This is probably one of the strongest quotes I've ever come across. And I still love it. There is far more valuable things than pound sterling. The one I am grateful for each and everyday is mine and my family's health. What are you grateful for? Not only money can bring happiness. #positivequotes #quoteoftheday #debtfree #debtfreejourneyUK #ukdebt #savings #money #life #grateful #gratitude #happiness #family #priceless #value #love #yoga #wellbeing

This is probably one of the strongest quotes I've ever come across. And I still love it. There is far more valuable things than pound sterling. The one I am grateful for each and everyday is mine and my family's health. What are you grateful for? Not only money can bring happiness. #positivequotes #quoteoftheday #debtfree #debtfreejourneyUK #ukdebt #savings #money #life #grateful #gratitude #happiness #family #priceless #value #love #yoga #wellbeing
89 2 3 December, 2019

I was recently interviewed by a Journalist of the Metro newspaper regarding debt in the UK.

More specifically my debt.
This is an issue I have decided to share publicly in the hope that it helps others. Personal debt can make you feel ashamed, embarrassed and full of regret. There is hope and tools available to get out of debt and move forward.
Unfortunately, debt can be much worse in the UK for black households that any race, but ultimately it shouldn’t be discarded. Ignorance in making, losing and managing money is not an excuse in today’s world.

What do you think of the article? I would love to get another perspective.

𝐋𝐢𝐧𝐤 𝐢𝐧 𝐛𝐢𝐨 𝐭𝐨 𝐭𝐡𝐞 𝐌𝐞𝐭𝐫𝐨 𝐚𝐫𝐭𝐢𝐜𝐥𝐞. 𝐏𝐥𝐞𝐚𝐬𝐞 𝐬𝐡𝐚𝐫𝐞 𝐰𝐢𝐭𝐡 𝐨𝐭𝐡𝐞𝐫𝐬.
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#budget #budgets #budgetmum #budgetmom #budgetingtips #debtfreecommunity #ukdebtfreecommunity #ukdebt #mumlife #debt #debtgap #racialdebtgap #metro #financialliteracy #debtfree #debtfreecommunity #debtfreelife #financialindependence #financialfreedom #blackissues #reality #blackmatters #black #thehumblepenny #financialliteracy #blackmoney #blackbusiness #supportblackwomen

I was recently interviewed by a Journalist of the Metro newspaper regarding debt in the UK.

More specifically my debt. 
This is an issue I have decided to share publicly in the hope that it helps others. Personal debt can make you feel ashamed, embarrassed and full of regret. There is hope and tools available to get out of debt and move forward. 
Unfortunately, debt can be much worse in the UK for black households that any race, but ultimately it shouldn’t be discarded. Ignorance in making, losing and managing money is not an excuse in today’s world.

What do you think of the article? I would love to get another perspective.

𝐋𝐢𝐧𝐤 𝐢𝐧 𝐛𝐢𝐨 𝐭𝐨 𝐭𝐡𝐞 𝐌𝐞𝐭𝐫𝐨 𝐚𝐫𝐭𝐢𝐜𝐥𝐞. 𝐏𝐥𝐞𝐚𝐬𝐞 𝐬𝐡𝐚𝐫𝐞 𝐰𝐢𝐭𝐡 𝐨𝐭𝐡𝐞𝐫𝐬.
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#budget #budgets #budgetmum #budgetmom #budgetingtips #debtfreecommunity #ukdebtfreecommunity #ukdebt #mumlife #debt #debtgap #racialdebtgap #metro #financialliteracy #debtfree #debtfreecommunity #debtfreelife #financialindependence #financialfreedom #blackissues #reality #blackmatters #black #thehumblepenny  #financialliteracy #blackmoney #blackbusiness #supportblackwomen
3 0 3 December, 2019

Hi 😁 Remember me? 🤣
I’ve been falling flat on my face with this debt free journey. I lost my groove after I took unwell, then my oldest was diagnosed with a chest deformity and life in general has been a right struggle.
So what did I do?....took out an overdraft of £1200 because that’s what I do when life is shit!! I try to stockpile money that doesn’t belong to me just incase 😡 I also blew my £1000 EF and anyway I’ve gave myself a right fright 😬 so I thought it would be a good idea to try and consolidate the last 3 credit cards so applied for a loan and got declined twice!! Then applied for a very account just to make sure I am in fact a complete and utter twat!! WHY!!! I was doing so well 😡
Anyway....I’ve licked my wounds and confessed my sins so now it’s time to start over. Can’t wait to see how everyone else is doing 😁

Hi 😁 Remember me? 🤣 
I’ve been falling flat on my face with this debt free journey. I lost my groove after I took unwell, then my oldest was diagnosed with a chest deformity and life in general has been a right struggle. 
So what did I do?....took out an overdraft of £1200 because that’s what I do when life is shit!! I try to stockpile money that doesn’t belong to me just incase 😡 I also blew my £1000 EF and anyway I’ve gave myself a right fright 😬 so I thought it would be a good idea to try and consolidate the last 3 credit cards so applied for a loan and got declined twice!! Then applied for a very account just to make sure I am in fact a complete and utter twat!! WHY!!! I was doing so well 😡 
Anyway....I’ve licked my wounds and confessed my sins so now it’s time to start over. Can’t wait to see how everyone else is doing 😁
48 28 2 December, 2019

🎄Christmas Tree🎄Resisted the urge to spend money today and came back home to the meal plan & parcels. Just waiting on a few more & that’s Christmas done! Just to wrap up the last few gifts & count down to breaking up🥳....just a few more weeks to go but lots of work so should fly by🤞🏼💫_____________________________________________________________ #moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife

🎄Christmas Tree🎄Resisted the urge to spend money today and came back home to the meal plan & parcels. Just waiting on a few more & that’s Christmas done! Just to wrap up the last few gifts & count down to breaking up🥳....just a few more weeks to go but lots of work so should fly by🤞🏼💫_____________________________________________________________#moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife
61 3 2 December, 2019

Today's fb marketplace sales. Purchased a new tassimo from the charity shop at my parents because it had a larger tank for £20 on Saturday. Did we need it? No. But we had intended to upgrade and this seemed like the right time. I got £10 for our old one so I am extremely grateful. Some more collections scheduled for tomorrow let's hope they turn up! Only spends today were at the post office one ebay item and one Christmas present £6.63 but it was in the budget. So another successful no spend day. Normally, I'd be whizzing round the Co-op grabbing stuff I "fancied" on the way to the Post office queue. So win, win! #declutter #marketplace #believe #money #sell #save #budget #debtfreecommunityuk #debtfreejourneyUK #ukdebt #debt #goals #nospendday

Today's fb marketplace sales. Purchased a new tassimo from the charity shop at my parents because it had a larger tank for £20 on Saturday. Did we need it? No. But we had intended to upgrade and this seemed like the right time. I got £10 for our old one so I am extremely grateful. Some more collections scheduled for tomorrow let's hope they turn up! Only spends today were at the post office one ebay item and one Christmas present £6.63 but it was in the budget. So another successful no spend day. Normally, I'd be whizzing round the Co-op grabbing stuff I "fancied" on the way to the Post office queue. So win, win! #declutter #marketplace #believe #money #sell #save #budget #debtfreecommunityuk #debtfreejourneyUK #ukdebt #debt #goals #nospendday
65 2 2 December, 2019

Happy #Monday!

I transferred some blog side hustle money to savings today and updated my total so I know what to aim for for my December goals.

One of the best things to come out of #4kbychristmasday has been getting into the habit of putting all my side hustle money into savings. Before, I struggled with this because I wanted to spend the money I made from side hustles when it came in and budgeting for it became a bit complicated as I tried to 'predict' that income.
Now I just wait for whatever to come in and transfer it to savings and they build away in the background. It means we keep our expenses lowered as if we are just getting our basic wages but that's grand, I havent missed spending extra at all.
The plan was to just do this until Christmas but it's worked well so I'm going to keep it up in the new year. We've been discussing our goals for next year and with what we are planning on the horizon, we'll still be broke AF next year anyways (FFS*) (*Dont listen to me when I say FFS, this is all my own doing 😂)

Happy #Monday!

I transferred some blog side hustle money to savings today and updated my total so I know what to aim for for my December goals.

One of the best things to come out of #4kbychristmasday has been getting into the habit of putting all my side hustle money into savings. Before, I struggled with this because I wanted to spend the money I made from side hustles when it came in and budgeting for it became a bit complicated as I tried to 'predict' that income. 
Now I just wait for whatever to come in and transfer it to savings and they build away in the background. It means we keep our expenses lowered as if we are just getting our basic wages but that's grand, I havent missed spending extra at all. 
The plan was to just do this until Christmas but it's worked well so I'm going to keep it up in the new year. We've been discussing our goals for next year and with what we are planning on the horizon, we'll still be broke AF next year anyways (FFS*) (*Dont listen to me when I say FFS, this is all my own doing 😂)
152 3 2 December, 2019

Cashout on jobspotter before the first for a clean slate. After speaking to @one_action_at_a_time I am going to update my jobspotter blog post. Yesterday on the 1st of the month it is suppose to reset DO NOT BELIEVE that the road I normally do over £15 on I struggled to get over £3. The map is inaccurate and out of date so basically it's just down to plain old fashion luck. The points predictions are all over the place that isn't consistent with anything. For example took a snap of B and M poster expecting 5 points got FULL points and was a first spot. Took a photo of a new sign got 14 points and a first spot that wasn't even equivalent to 14p. Work that one out. The old system was far better and far fairer but obviously was costing them more! #amazon #debt #ukdebt #debtfree #debtfreecommunityuk #jobspotter

Cashout on jobspotter before the first for a clean slate. After speaking to @one_action_at_a_time I am going to update my jobspotter blog post. Yesterday on the 1st of the month it is suppose to reset DO NOT BELIEVE that the road I normally do over £15 on I struggled to get over £3. The map is inaccurate and out of date so basically it's just down to plain old fashion luck. The points predictions are all over the place that isn't consistent with anything. For example took a snap of B and M poster expecting 5 points got FULL points and was a first spot. Took a photo of a new sign got 14 points and a first spot that wasn't even equivalent to 14p. Work that one out. The old system was far better and far fairer but obviously was costing them more! #amazon #debt #ukdebt #debtfree #debtfreecommunityuk #jobspotter
20 2 2 December, 2019

This week’s spending diary. Not a bad total if you leave Christmas off - I knew that we’d need a tree, lights etc. so these weren’t unexpected expenses. The shopping total is annoying though - bras falling apart after a couple of months’ wear is not what I expect and with tatas like mine there are no cheap options! #ukmoneybloggers #ukmoneysaving #ukmoney #ukdebtfreejourney #budgeting #ukdebtfreecommunity #ukdebt #spendingdiary #moneydiary #trackingspending #spendingmoney #spendingtracker #moneydiaries #personalfinance #personalfinances

This week’s spending diary. Not a bad total if you leave Christmas off - I knew that we’d need a tree, lights etc. so these weren’t unexpected expenses. The shopping total is annoying though - bras falling apart after a couple of months’ wear is not what I expect and with tatas like mine there are no cheap options! #ukmoneybloggers #ukmoneysaving #ukmoney #ukdebtfreejourney #budgeting #ukdebtfreecommunity #ukdebt #spendingdiary #moneydiary #trackingspending #spendingmoney #spendingtracker #moneydiaries #personalfinance #personalfinances
24 6 1 December, 2019

Keeping it light this month. The takeaway goal will be the biggest challenge but also the one with the most potential to make an extremely positive change to my life. I had McDonald’s for tea last night so nothing else now until next Saturday. I’ll need to post for accountability but will try to figure out a non-spammy way that is less likely to trigger anyone in ED recovery. Maybe a tracker? #ukmoneybloggers #ukmoneysaving #ukmoney #ukdebtfreejourney #budgeting #ukdebtfreecommunity #ukdebt #moneysavingtips #moneysaving #moneysavvy #decembergoals #budgetgoals #personalfinance

Keeping it light this month. The takeaway goal will be the biggest challenge but also the one with the most potential to make an extremely positive change to my life. I had McDonald’s for tea last night so nothing else now until next Saturday. I’ll need to post for accountability but will try to figure out a non-spammy way that is less likely to trigger anyone in ED recovery. Maybe a tracker? #ukmoneybloggers #ukmoneysaving #ukmoney #ukdebtfreejourney #budgeting #ukdebtfreecommunity #ukdebt #moneysavingtips #moneysaving #moneysavvy #decembergoals #budgetgoals #personalfinance
29 2 1 December, 2019

Starting with some small goals. Number one is to sort out finances, make a budget and stick to it! Number 2 is to start trying to generate some side hustle income. I have signed up to a few survey sites but not having a lot of luck with those currently. I will be doing a clear out and selling and bits also! #debtfreecommunity #debtfreejourney #debt #debtavalanche #debtfreeuk #debtfreecommunityuk #ukdebtfreecommunity #ukdebt #goals #sidehustle

Starting with some small goals. Number one is to sort out finances, make a budget and stick to it! Number 2 is to start trying to generate some side hustle income. I have signed up to a few survey sites but not having a lot of luck with those currently. I will be doing a clear out and selling and bits also! #debtfreecommunity #debtfreejourney #debt #debtavalanche #debtfreeuk #debtfreecommunityuk #ukdebtfreecommunity #ukdebt #goals #sidehustle
14 0 1 December, 2019

I haven’t posted on here for a while but I have been lurking! Time to get serious about sorting out finances. I’m getting so annoyed with myself, I have so many goals but then for some reason lose focus! I’m going to start posting daily on here to keep me on track! #debtfreecommunity #debtfreecommunityuk #ukdebt #debtfreejourneyuk #debtfreewannabeuk #motivation #goals #debtfreejourney #debtavalanche

I haven’t posted on here for a while but I have been lurking! Time to get serious about sorting out finances. I’m getting so annoyed with myself, I have so many goals but then for some reason lose focus! I’m going to start posting daily on here to keep me on track! #debtfreecommunity #debtfreecommunityuk #ukdebt #debtfreejourneyuk #debtfreewannabeuk #motivation #goals #debtfreejourney #debtavalanche
17 2 1 December, 2019

🌬December🌬The last one, stick to your plans and budget! Don’t let expectations push you to something you don’t need or want! We have a busy December of work, Christmas plans, OH evening events, football, school plans and normal life! Sticking to the budget is a must and we are most definitely counting down to the 22nd when we all break up!💫_____________________________________________________________ #moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife

🌬December🌬The last one, stick to your plans and budget! Don’t let expectations push you to something you don’t need or want! We have a busy December of work, Christmas plans, OH evening events, football, school plans and normal life! Sticking to the budget is a must and we are most definitely counting down to the 22nd when we all break up!💫_____________________________________________________________#moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife
34 0 1 December, 2019

✨December Goals✨Sorry I’ve been quiet again this week, it’s been a bit of a busy one. These are pretty basic goals, to enjoy Christmas and not too overspend. We get paid early in December but I don’t like to use that pay for Christmas and would rather get a start on 2020 Goals! Given the early pay - it lasts even longer until the end of January so it’s all about sticking to budgets for the next few weeks!💫_____________________________________________________________ #moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife

✨December Goals✨Sorry I’ve been quiet again this week, it’s been a bit of a busy one. These are pretty basic goals, to enjoy Christmas and not too overspend. We get paid early in December but I don’t like to use that pay for Christmas and would rather get a start on 2020 Goals! Given the early pay - it lasts even longer until the end of January so it’s all about sticking to budgets for the next few weeks!💫_____________________________________________________________#moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife
37 2 30 November, 2019

Day 146!
1 week today and we will be in London! Can't believe how quick this 1p challenge has gone! I have 6 payments left to make and then I have completed the challenge! From the all the money I have made from this challenge, all the Ebay sales, the money I have made from matched betting and the money we have saved up ourselves has resulted in us having saved over £1000! Now this figure will cover everything from hotel, fuel, parking, food and our delayed birthday presents which we both owe each other! I think this will be our first ever trip away were it will all be cash funded! I recommend this challenge to anyone as it's a fun way to save money!
#savings #save #money #trip #weekendbreak #shortbreak #holiday #1p #1pchallenge #london #debtisdumb #debtfreecommunity #debtfreecommunityuk #debtfreeuk #debtfree #ukdebtfreecommunity #ukdebt #ukdebtfree #savings #money #cash

Day 146! 
1 week today and we will be in London! Can't believe how quick this 1p challenge has gone! I have 6 payments left to make and then I have completed the challenge! From the all the money I have made from this challenge, all the Ebay sales, the money I have made from matched betting and the money we have saved up ourselves has resulted in us having saved over £1000! Now this figure will cover everything from hotel, fuel, parking, food and our delayed birthday presents which we both owe each other! I think this will be our first ever trip away were it will all be cash funded! I recommend this challenge to anyone as it's a fun way to save money! 
#savings #save #money #trip #weekendbreak #shortbreak #holiday #1p #1pchallenge #london #debtisdumb #debtfreecommunity #debtfreecommunityuk #debtfreeuk #debtfree #ukdebtfreecommunity #ukdebt #ukdebtfree #savings #money #cash
20 1 30 November, 2019

My two pound jar. What's yours?
I can't access this one without smashing it and it's only a third of the way full. And I want to know. I am terrible. Next time I'm having a see through one for sure.
#£2jar #piggybank #£2coins #save #earn #debtfreecommunity #debtfree #goals #goalsetter #nails #savings #budget #sell #earn #finances #money #change #coins #ukdebt #savvy #frugal #tips #smash

My two pound jar. What's yours?
I can't access this one without smashing it and it's only a third of the way full. And I want to know. I am terrible. Next time I'm having a see through one for sure.
#£2jar #piggybank #£2coins #save #earn #debtfreecommunity #debtfree #goals #goalsetter #nails #savings #budget #sell #earn #finances #money #change #coins #ukdebt #savvy #frugal #tips #smash
74 12 29 November, 2019

My latest blog is now live- click the link in my bio to have a read 🤓

There is so much pressure to overspend at Christmas and this blog is all about why you shouldn't give into the pressure to buy more than you can afford.

A big part of my debt free journey was getting back to basics and just spending less and buying less, so that's what we will do this Christmas.

I know there are a lot of people out there who will struggle with the pressure to buy "enough" (and go over budget) or feel like they need to spend a certain amount- this is for you! In the spirit of giving, give yourself a break and make this the year that you break the cycle 🙌🙌🙌🙌 Click the link in my bio to read more 😀

My latest blog is now live- click the link in my bio to have a read 🤓

There is so much pressure to overspend at Christmas and this blog is all about why you shouldn't give into the pressure to buy more than you can afford.

A big part of my debt free journey was getting back to basics and just spending less and buying less, so that's what we will do this Christmas.

I know there are a lot of people out there who will struggle with the pressure to buy "enough" (and go over budget) or feel like they need to spend a certain amount- this is for you! In the spirit of giving, give yourself a break and make this the year that you break the cycle 🙌🙌🙌🙌 Click the link in my bio to read more 😀
66 5 29 November, 2019

Thank goodness! Payday is here. This month I have:
- fully funded my month emergency fund.
- nearly paid off my First Direct overdraft - need to side hustle about £36 to complete this.
I’m setting myself much smaller goals for making money on the side in December, and hoping to have a relaxed month.
What are you proud of this payday?
#ukmoneysaving #ukmoney #ukmoneybloggers #ukdebtfreejourney #budgeting #ukdebtfreecommunity #ukdebt #payday #finance #personalfinance #moneysavvy #moneysaving #skintnomore

Thank goodness! Payday is here. This month I have:
- fully funded my month emergency fund.
- nearly paid off my First Direct overdraft - need to side hustle about £36 to complete this.
I’m setting myself much smaller goals for making money on the side in December, and hoping to have a relaxed month.
What are you proud of this payday?
#ukmoneysaving #ukmoney #ukmoneybloggers #ukdebtfreejourney #budgeting #ukdebtfreecommunity #ukdebt #payday #finance #personalfinance #moneysavvy #moneysaving #skintnomore
24 3 29 November, 2019

So yesterday I set myself the challenge of £30. I achieved that in FB sales however one of the item isn't mine so that £20 is on it's way to the rightful owner. I made an additional £1.88 on ebay with a small sale and was paid for a previous usertesting £7.55 plus £2.75 on prolific. And a wait for it... 44p on jobspotter hahaha!
Do you set yourself mini targets? And if so do you feel annoyed if you don't achieve them? 🤔 Asking for a friend 😂 #debtfree #debtuk #makemoney #hustle #apps #marketplace #fb #tenpounds #notes #sterling #gbp #ukdebt # #blog #tips #goals

So yesterday I set myself the challenge of £30. I achieved that in FB sales however one of the item isn't mine so that £20 is on it's way to the rightful owner. I made an additional £1.88 on ebay with a small sale and was paid for a previous usertesting £7.55 plus £2.75  on prolific. And a wait for it... 44p on jobspotter hahaha!
Do you set yourself mini targets? And if so do you feel annoyed if you don't achieve them? 🤔 Asking for a friend 😂 #debtfree #debtuk #makemoney #hustle #apps #marketplace #fb #tenpounds #notes #sterling #gbp #ukdebt ##blog #tips #goals
86 11 29 November, 2019

✨November Goals✨We did ok on the goals front for November, mainly because they were quite relaxed given the time of year. We did meal plan and get nearly all the Christmas shopping done. We had lots of time as a family this month which has been nice. The OH managed to get our odd jobs done around the house, and it’s all done for Christmas!💫_____________________________________________________________ #moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife

✨November Goals✨We did ok on the goals front for November, mainly because they were quite relaxed given the time of year. We did meal plan and get nearly all the Christmas shopping done. We had lots of time as a family this month which has been nice. The OH managed to get our odd jobs done around the house, and it’s all done for Christmas!💫_____________________________________________________________#moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife
30 2 28 November, 2019

It's ok to make mistakes as long as you learn from them and adapt!
At times I wonder what my life would be like if I never got into debt but in ways I'm happy that I got into debt as it's made me learn so much about money management and become financially smarter!
#debt #finance #finances #moneymanagement #debtisdumb #debtfreecommunity #debtfreecommunityuk #debtfreeuk #debtfree #ukdebtfreecommunity #ukdebt #ukdebtfree #savings #money #cash

It's ok to make mistakes as long as you learn from them and adapt! 
At times I wonder what my life would be like if I never got into debt but in ways I'm happy that I got into debt as it's made me learn so much about money management and become financially smarter! 
#debt #finance #finances #moneymanagement #debtisdumb #debtfreecommunity #debtfreecommunityuk #debtfreeuk #debtfree #ukdebtfreecommunity #ukdebt #ukdebtfree #savings #money #cash
49 2 28 November, 2019

£15 meal deal for two at Waitrose.
Includes one starter, one main, one side dish, one dessert, plus wine, beer, or chocolates!
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#waitrose #mealdeal #mealdealfor2 #bargain #moneysaving #waitrosemealfor2 #deal #ukdebtfreecommunity #ukdebt #ukdebtfree #ukdebtfreecommumity #debtfreeukcommunity

£15 meal deal for two at Waitrose. 
Includes one starter, one main, one side dish, one dessert, plus wine, beer, or chocolates!
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#waitrose #mealdeal #mealdealfor2 #bargain #moneysaving #waitrosemealfor2 #deal #ukdebtfreecommunity #ukdebt #ukdebtfree #ukdebtfreecommumity #debtfreeukcommunity
14 0 27 November, 2019

Happy #Humpday!

For me, taking control of my money has been a mixture of practical steps and a change in mindset. And while we talk a lot about the practical steps, I think mindset is something I'd like to talk about a bit more.

Here are a few of the ways I got into (as I call it in my book- I'll stick AD here just in case!) the "Right Money Mindset". Basically, this is the mind frame I trained myself to get into to make those overpayments every month and stay out of debt since paying it all off.

The saying goes, you are what you eat, and I think you are also what you surround yourself with, so mindset can be honed by the right support network and resources, and these are some of mine. ☝️ Did you have to change your mindset to start your debt free or savings journey and if so, how did you do it? Let me know below 👇

Happy #Humpday!

For me, taking control of my money has been a mixture of practical steps and a change in mindset. And while we talk a lot about the practical steps, I think mindset is something I'd like to talk about a bit more.

Here are a few of the ways I got into (as I call it in my book- I'll stick AD here just in case!) the "Right Money Mindset". Basically, this is the mind frame I trained myself to get into to make those overpayments every month and stay out of debt since paying it all off.

The saying goes, you are what you eat, and I think you are also what you surround yourself with, so mindset can be honed by the right support network and resources, and these are some of mine. ☝️ Did you have to change your mindset to start your debt free or savings journey and if so, how did you do it? Let me know below 👇
90 20 27 November, 2019

My December debt payment has been made and I’ve officially reached the halfway point in my debt journey (well 49.7% to be precise) - finally under £5k!!!!!! #debtfree #debtfreelife #debtfreecommunity #debtfreejourney #debtfreegoals #debtfreedom #ukdebtfreecommunity #ukdebt #debtfreeuk2019 #goals #financialfreedom #daveramseybabysteps #budget #budgeting #budgetplanning #budgetplanner #budgetingtips #financialfreedom #financialindependence #FI/RE

My December debt payment has been made and I’ve officially reached the halfway point in my debt journey (well 49.7% to be precise) - finally under £5k!!!!!! #debtfree #debtfreelife #debtfreecommunity #debtfreejourney #debtfreegoals #debtfreedom #ukdebtfreecommunity #ukdebt #debtfreeuk2019 #goals #financialfreedom #daveramseybabysteps #budget #budgeting #budgetplanning #budgetplanner #budgetingtips #financialfreedom #financialindependence #FI/RE
48 4 27 November, 2019

I sat down and worked out what my emergency fund should look like and this is the answer. It’s quite a big amount and I’m not going to pretend I don’t find it daunting! I’ll definitely have to break it down into steps to stay engaged in this journey but I’m determined to get there. #ukmoneysaving #ukmoney #ukmoneybloggers #ukdebtfreejourney #budgeting #ukdebtfreecommunity #ukdebt #financeblogger #savings #savingsaccount #savingsgoals #savingmoney #rainydayfund #emergencyfund #buffer #moneyworries #moneyworriesbegone #babystepsomething

I sat down and worked out what my emergency fund should look like and this is the answer. It’s quite a big amount and I’m not going to pretend I don’t find it daunting! I’ll definitely have to break it down into steps to stay engaged in this journey but I’m determined to get there. #ukmoneysaving #ukmoney #ukmoneybloggers #ukdebtfreejourney #budgeting #ukdebtfreecommunity #ukdebt #financeblogger #savings #savingsaccount #savingsgoals #savingmoney #rainydayfund #emergencyfund #buffer #moneyworries #moneyworriesbegone #babystepsomething
40 5 26 November, 2019

Holiday planning!
We are planning our holiday for end of 2020 and need your help in deciding. Btw this will all be funded by cash and no credit as we have a plan!
Dubai and New York are two places we would like to go! New York is a place we have always wanted to go and Dubai is somewhere we have been before and we loved it soo much that we would love to go again! Both are amazing places for shopping and food. New York would be amazing place to go during the christmas period, Dubai has the sun which is something we would love to have in December so we are a bit confused for were to book!
What would you do?
#holiday #2020 #holiday2020 #dubai #uae #newyork #usa #beach #beachholiday #snow #christmas #sun #warm #cold #savings #debtisdumb #debtfreecommunity #debtfreecommunityuk #debtfreeuk #debtfree #ukdebtfreecommunity #ukdebt #ukdebtfree #savings #money #cash

Holiday planning!
We are planning our holiday for end of 2020 and need your help in deciding. Btw this will all be funded by cash and no credit as we have a plan! 
Dubai and New York are two places we would like to go! New York is a place we have always wanted to go and Dubai is somewhere we have been before and we loved it soo much that we would love to go again! Both are amazing places for shopping and food. New York would be amazing place to go during the christmas period, Dubai has the sun which is something we would love to have in December so we are a bit confused for were to book! 
What would you do? 
#holiday #2020 #holiday2020 #dubai #uae #newyork #usa #beach #beachholiday #snow #christmas #sun #warm #cold #savings #debtisdumb #debtfreecommunity #debtfreecommunityuk #debtfreeuk #debtfree #ukdebtfreecommunity #ukdebt #ukdebtfree #savings #money #cash
21 2 26 November, 2019

✨Prime✨Enjoying the perks of Prime with none of the cost😬We share with family, we pay for Netflix & they pay for Prime. A whole host of new (to us) stuff to be watching on the cold dark nights fo’ free! First up - The US Office. Sadly I’m in London tomorrow, otherwise I might have enjoyed my free wine from WineApp😫!💫_____________________________________________________________ #moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife

✨Prime✨Enjoying the perks of Prime with none of the cost😬We share with family, we pay for Netflix & they pay for Prime. A whole host of new (to us) stuff to be watching on the cold dark nights fo’ free! First up - The US Office. Sadly I’m in London tomorrow, otherwise I might have enjoyed my free wine from WineApp😫!💫_____________________________________________________________#moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife
20 0 26 November, 2019

I’m getting ready for the end of November, and getting prepared for the start of December. The best time to budget isn’t the 1st of the month on the day, but a bit in advance so that you are prepared.

I’m going to review my spending for the month of November by going through my expense tracker, & adjusting as needed. I have been under budget for my food expenses so far, but I don’t think that I will decrease the amount due to the Christmas holidays.

Budgets need to be worked on, as expenses will vary from month to month. I’ve been happy with how my budgeting has gone this month, but I am still thinking about possibly increasing my salary - I currently pay myself a salary out of my business, and I kept it low as I didn’t want to succumb to lifestyle inflation. The reason that I’ve been thinking about increasing it is so that I can put more into my sinking funds & savings. I can take money for savings out of my business account, but I don’t want it to get messy. & I want to show you how to do it 😊

A budget is essentially a spending plan for your money. Figuring out what you would like your hard earned money to pay for. Paying for bills of course, but thinking about what you want to use your money for beyond that. I’ve been sitting down today making plans for my goals for 2020, which I will be sharing soon. I hope to show you the best ways to save and make goals which are achievable and exciting 😍

I’m going to be preparing my December budget ready for any extra spending that will need to be done. I’m hoping the food costs won’t be too crazy, & hopefully the school won’t spring any more payments on me 😄 is it just me or are they relentless in December?! I get about 3 letters a day I swear 🤣

Do you adjust your budget according to the month or season? 🎄
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#budget #budgets #budgettip budgettips #budgetlife #budgetmum #budgetmom #budgetingtips #budgetplanning #planneraddict #planner #plannercommunity #plannerspread #planner2020 #plannermom #debtfreecommunity #ukdebtfreecommunity #ukdebt #mumlife #planningcommunity #organiseyourlife #moneygoals #budgetgoals #personalfinanceforwomen #moneyblogger #moneytips

I’m getting ready for the end of November, and getting prepared for the start of December. The best time to budget isn’t the 1st of the month on the day, but a bit in advance so that you are prepared.

I’m going to review my spending for the month of November by going through my expense tracker, & adjusting as needed. I have been under budget for my food expenses so far, but I don’t think that I will decrease the amount due to the Christmas holidays.

Budgets need to be worked on, as expenses will vary from month to month. I’ve been happy with how my budgeting has gone this month, but I am still thinking about possibly increasing my salary - I currently pay myself a salary out of my business, and I kept it low as I didn’t want to succumb to lifestyle inflation. The reason that I’ve been thinking about increasing it is so that I can put more into my sinking funds & savings. I can take money for savings out of my business account, but I don’t want it to get messy. & I want to show you how to do it 😊

A budget is essentially a spending plan for your money. Figuring out what you would like your hard earned money to pay for. Paying for bills of course, but thinking about what you want to use your money for beyond that. I’ve been sitting down today making plans for my goals for 2020, which I will be sharing soon. I hope to show you the best ways to save and make goals which are achievable and exciting 😍

I’m going to be preparing my December budget ready for any extra spending that will need to be done. I’m hoping the food costs won’t be too crazy, & hopefully the school won’t spring any more payments on me 😄 is it just me or are they relentless in December?! I get about 3 letters a day I swear 🤣

Do you adjust your budget according to the month or season? 🎄
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#budget #budgets #budgettip budgettips #budgetlife #budgetmum #budgetmom #budgetingtips #budgetplanning #planneraddict #planner #plannercommunity #plannerspread #planner2020 #plannermom #debtfreecommunity #ukdebtfreecommunity #ukdebt #mumlife #planningcommunity #organiseyourlife #moneygoals #budgetgoals #personalfinanceforwomen #moneyblogger #moneytips
129 2 26 November, 2019

Wow, didn't do aswell I had hoped 🤣🙈 there is always next year. This is for 25 peoples presents plus £100 each for myself and my husband to spend on one another. And of course our sons. So I budget per person and altogether that came to a whopping £1030. So we are under budget in one way but I know I could have done better with planning. But there is Christmas 2020 to plan! #christmas #christmasbudget #overspend #amazon #underbudget #christmassavings #debtfreecommunityuk #ukdebt #moneyblog #finances #debtfreechristmas #sidehustling #daveramsey #figures

Wow, didn't do aswell I had hoped 🤣🙈 there is always next year. This is for 25 peoples presents plus £100 each for myself and my husband to spend on one another. And of course our sons. So I budget per person and altogether that came to a whopping £1030. So we are under budget in one way but I know I could have done better with planning. But there is Christmas 2020 to plan! #christmas #christmasbudget #overspend #amazon #underbudget #christmassavings #debtfreecommunityuk #ukdebt #moneyblog #finances #debtfreechristmas #sidehustling #daveramsey #figures
104 17 26 November, 2019

✨50%✨We are over halfway in our journey. It’s been a battle of 2 steps forward 1 step back on many occasions to get this far but we’ve finally crossed the halfway line!💪🏼 I am recommitting to the journey from December payday, and hope to really smash 2020 with clearing one debt. It doesn’t seem a stretch goal to clear one debt but we’re now down to our 2 biggest debts(both balance and interest wise). It’s a ‘marathon not a sprint’ territory now, but hopefully we’ll feel that snowball momentum more now we’re over halfway🤞🏼. _____________________________________________________________ #moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife

✨50%✨We are over halfway in our journey. It’s been a battle of 2 steps forward 1 step back on many occasions to get this far but we’ve finally crossed the halfway line!💪🏼 I am recommitting to the journey from December payday, and hope to really smash 2020 with clearing one debt. It doesn’t seem a stretch goal to clear one debt but we’re now down to our 2 biggest debts(both balance and interest wise). It’s a ‘marathon not a sprint’ territory now, but hopefully we’ll feel that snowball momentum more now we’re over halfway🤞🏼. _____________________________________________________________#moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife
67 3 25 November, 2019

Happy #Monday!

It's not been an easy month for me for a number of reasons and I've found myself needing to have a reality check and remember this ☝️ I think that there's a lot of stigma out there about money, especially when you hold your hands up and say you're trying to be more sensible about spending or not relying on debt. It's easy to feel that people are judging you or forming an opinion on how you handle your money. It's not a nice feeling tbh.

But the thing is... other people's opinions don't pay my bills: something that I have to remember more. So do what you gotta do, and focus on that- other people's opinions don't matter. (You can def tell that this is one of those captions where I'm telling myself this as much as I'm putting it out there for others to hear!!)

Happy #Monday!

It's not been an easy month for me for a number of reasons and I've found myself needing to have a reality check and remember this ☝️ I think that there's a lot of stigma out there about money, especially when you hold your hands up and say you're trying to be more sensible about spending or not relying on debt. It's easy to feel that people are judging you or forming an opinion on how you handle your money. It's not a nice feeling tbh.

But the thing is... other people's opinions don't pay my bills: something that I have to remember more. So do what you gotta do, and focus on that- other people's opinions don't matter. (You can def tell that this is one of those captions where I'm telling myself this as much as I'm putting it out there for others to hear!!)
237 13 25 November, 2019

I was eligible for cash out before this morning then @onepulseapp just went insane. One more pulse and I can cash out again!!! If you haven't got this app I recommend it. I find if you open it in the morning you will be notified of available pulses. Sometimes if I don't, I don't get any. #onepulse #cashout #debtfree #debtfreecommunityuk #debtfreeUK #ukdebt #blog #moneytalks #betterlife #control #monday #budget #savings #earnmoneyfromhome

I was eligible for cash out before this morning  then @onepulseapp just went insane. One more pulse and I can cash out again!!! If you haven't got this app I recommend it. I find if you open it in the morning you will be notified of available pulses. Sometimes if I don't, I don't get any. #onepulse #cashout #debtfree #debtfreecommunityuk #debtfreeUK #ukdebt #blog #moneytalks #betterlife #control #monday #budget #savings #earnmoneyfromhome
20 2 25 November, 2019

Top #ukdebt posts

Debt total update under 24k. £23,899.13 to be exact. Looking back this is amazing as figures on the 2nd Feb THIS YEAR 2019 stood at £32,634.13. Half way!!! I finally feel we are getting somewhere. Still a long hard road ahead but we are heading in the right direction. #under #debt #ukdebt #debtfreejourney #wecandothis #hustle #daveramsey #gettingthere #progress #rightdirection #inspiration #support #budget #save #sidehustle #dfj

Debt total update under 24k. £23,899.13 to be exact. Looking back this is amazing as figures on the 2nd Feb THIS YEAR 2019 stood at £32,634.13. Half way!!! I finally feel we are getting somewhere. Still a long hard road ahead but we are heading in the right direction. #under #debt #ukdebt #debtfreejourney #wecandothis #hustle #daveramsey #gettingthere #progress #rightdirection #inspiration #support #budget #save #sidehustle #dfj
120 15 4 December, 2019

✨Christmas Stash✨Today is the official start of the Christmas stash of 2019🎄! The gift set cost £4.99 for my SIL, down from £20 and I’m really pleased with that bargain! The chocolates are £3.50 each at Tesco; we will still need a few more boxes for family gifts but I didn’t want to go and get lots of boxes now just because they’re on offer. Mainly because it’s not in the budget this month and they will of course be on offer before Christmas when it is in the budget! I flipping love Christmas and everything about it - which is why I can dangerously overspend! I’m determined to track every penny this year, and make sure I only spend what we want to! 🌟 #christmasbudget #budgetchristmas #christmasonabudget _____________________________________________________________ #moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife

✨Christmas Stash✨Today is the official start of the Christmas stash of 2019🎄! The gift set cost £4.99 for my SIL, down from £20 and I’m really pleased with that bargain! The chocolates are £3.50 each at Tesco; we will still need a few more boxes for family gifts but I didn’t want to go and get lots of boxes now just because they’re on offer. Mainly because it’s not in the budget this month and they will of course be on offer before Christmas when it is in the budget! I flipping love Christmas and everything about it - which is why I can dangerously overspend! I’m determined to track every penny this year, and make sure I only spend what we want to! 🌟 #christmasbudget #budgetchristmas #christmasonabudget _____________________________________________________________#moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife
104 6 15 September, 2019

Happy #Monday!

It's not been an easy month for me for a number of reasons and I've found myself needing to have a reality check and remember this ☝️ I think that there's a lot of stigma out there about money, especially when you hold your hands up and say you're trying to be more sensible about spending or not relying on debt. It's easy to feel that people are judging you or forming an opinion on how you handle your money. It's not a nice feeling tbh.

But the thing is... other people's opinions don't pay my bills: something that I have to remember more. So do what you gotta do, and focus on that- other people's opinions don't matter. (You can def tell that this is one of those captions where I'm telling myself this as much as I'm putting it out there for others to hear!!)

Happy #Monday!

It's not been an easy month for me for a number of reasons and I've found myself needing to have a reality check and remember this ☝️ I think that there's a lot of stigma out there about money, especially when you hold your hands up and say you're trying to be more sensible about spending or not relying on debt. It's easy to feel that people are judging you or forming an opinion on how you handle your money. It's not a nice feeling tbh.

But the thing is... other people's opinions don't pay my bills: something that I have to remember more. So do what you gotta do, and focus on that- other people's opinions don't matter. (You can def tell that this is one of those captions where I'm telling myself this as much as I'm putting it out there for others to hear!!)
237 13 25 November, 2019

We walked into a car dealership five years ago. Within a short space of time, we drove out with a brand new car, and uploaded a pic to Facebook.
What nobody saw from the pic was that we borrowed £12,000 to buy the car, which actually made me feel sick at the thought of it. Every month, we needed to pay £161 back for the car, plus there was a £4000-odd final payment to keep it. We fully intended to hand it back before we had to pay the £4k and buy a bigger car (with a bigger payment). Fast forward four years and luckily, we ended up snowballing the £4k and the car is ours until it no longer runs- no way will I buy a new car again and get into another payment plan.

The truth is that any joy I got from buying a new car and putting it on social media was completely outweighed by the sick feeling I got when we signed the credit agreement. And every month having to repay it.
I've learned the hard way to stop focusing on living a life for social media and live it for myself. So if you see me in years to come driving my car, which will be an old banger by then, give me a wave and I'll be waving back living my best life in my scrapper that gives me no stress!

We walked into a car dealership five years ago. Within a short space of time, we drove out with a brand new car, and uploaded a pic to Facebook. 
What nobody saw from the pic was that we borrowed £12,000 to buy the car, which actually made me feel sick at the thought of it. Every month, we needed to pay £161 back for the car, plus there was a £4000-odd final payment to keep it. We fully intended to hand it back before we had to pay the £4k and buy a bigger car (with a bigger payment). Fast forward four years and luckily, we ended up snowballing the £4k and the car is ours until it no longer runs- no way will I buy a new car again and get into another payment plan.

The truth is that any joy I got from buying a new car and putting it on social media was completely outweighed by the sick feeling I got when we signed the credit agreement. And every month having to repay it. 
I've learned the hard way to stop focusing on living a life for social media and live it for myself. So if you see me in years to come driving my car, which will be an old banger by then, give me a wave and I'll be waving back living my best life in my scrapper that gives me no stress!
328 33 23 October, 2019

Wow, didn't do aswell I had hoped 🤣🙈 there is always next year. This is for 25 peoples presents plus £100 each for myself and my husband to spend on one another. And of course our sons. So I budget per person and altogether that came to a whopping £1030. So we are under budget in one way but I know I could have done better with planning. But there is Christmas 2020 to plan! #christmas #christmasbudget #overspend #amazon #underbudget #christmassavings #debtfreecommunityuk #ukdebt #moneyblog #finances #debtfreechristmas #sidehustling #daveramsey #figures

Wow, didn't do aswell I had hoped 🤣🙈 there is always next year. This is for 25 peoples presents plus £100 each for myself and my husband to spend on one another. And of course our sons. So I budget per person and altogether that came to a whopping £1030. So we are under budget in one way but I know I could have done better with planning. But there is Christmas 2020 to plan! #christmas #christmasbudget #overspend #amazon #underbudget #christmassavings #debtfreecommunityuk #ukdebt #moneyblog #finances #debtfreechristmas #sidehustling #daveramsey #figures
104 17 26 November, 2019

It's been a while since I've last introduced myself so here goes!

If you've recently started following me, thank you and welcome! My name is Grainne (pronounced Granya- Irish name problems!), and I live in Belfast with my husband, small dog and we have a little son on the way! 👫👶🐶 I started this account in July 2017 with £16k debt and a goal to pay it all off in one year. In that year, we completely overhauled our finances and our attitude towards money, adopting a more minimalist and simple approach to life. We became debt free in July 2018 🎉🎉🎉 Soon after, we decided to get married and booked a trip to NYC in April 2019 to tie the knot. We had a really simple wedding at the City Clerk's office, and a lovely week away together to start married life. Our wedding was such a lovely affair and even though we spent relatively little on it, it was never a "budget" thing, instead it was us following our hearts and making our already married state official. My husband tends to be the butt of my jokes (and vice versa) but he really is my best mate and I feel so lucky to have such a good partner by my side ♥️♥️♥️ Since getting married, life has been hectic. In terms of our finances, we've mostly been concentrating on saving and have given ourselves a new goal to save #4kbychristmasday (why do I start these things). And of course, with a baby on the way, we are preparing to welcome our little human next year 🤰

My account is kind of a mixed bag- I like to post about getting out, and staying out, of debt, saving, budget eats and mental health. Also the odd bitchy rant thrown in (😂😂 a gal gotta vent). Anyways, thank you for following along and this is just me saying hi! 👋👋👋👋👋

It's been a while since I've last introduced myself so here goes!

If you've recently started following me, thank you and welcome! My name is Grainne (pronounced Granya- Irish name problems!), and I live in Belfast with my husband, small dog and we have a little son on the way! 👫👶🐶 I started this account in July 2017 with £16k debt and a goal to pay it all off in one year. In that year, we completely overhauled our finances and our attitude towards money, adopting a more minimalist and simple approach to life. We became debt free in July 2018 🎉🎉🎉 Soon after, we decided to get married and booked a trip to NYC in April 2019 to tie the knot. We had a really simple wedding at the City Clerk's office, and a lovely week away together to start married life. Our wedding was such a lovely affair and even though we spent relatively little on it, it was never a "budget" thing, instead it was us following our hearts and making our already married state official. My husband tends to be the butt of my jokes (and vice versa) but he really is my best mate and I feel so lucky to have such a good partner by my side ♥️♥️♥️ Since getting married, life has been hectic. In terms of our finances, we've mostly been concentrating on saving and have given ourselves a new goal to save #4kbychristmasday (why do I start these things). And of course, with a baby on the way, we are preparing to welcome our little human next year 🤰

My account is kind of a mixed bag- I like to post about getting out, and staying out, of debt, saving, budget eats and mental health. Also the odd bitchy rant thrown in (😂😂 a gal gotta vent). Anyways, thank you for following along and this is just me saying hi! 👋👋👋👋👋
271 30 19 November, 2019

Thought it might be a good idea to check in with my goals for 2019! I posted these on NYE in the hope of keeping myself accountable this year. I can't believe we are nearly at the end now!

1.Save £4,000- nearly there with my emergency fund!

2. Start married life with no wedding debt- our wedding cost just over £5,000 all in and it is completely paid off. I posted about the wedding earlier this week and had lots of interest- I have a blog post and a NYC wedding highlight on my stories if anyone wants details of how we tied the knot. I'd highly recommend doing it this way for anyone who wants to elope or have a small wedding, the day was absolutely perfect ♥️ 3. Overpay mortgage by £1,000- with our wedding and savings, I haven't focused much on this so I don't think we've met this goal! The last few days, we've talked a lot about what our financial goals will be once we've reached our savings goal and tackling our mortgage is high up that list!

4. Increase monthly income by £500- as a household, we've done it! A mix of side hustle income and pay rises 🙌

Did anyone else set goals for 2019 and if so, how did you get on?

Thought it might be a good idea to check in with my goals for 2019! I posted these on NYE in the hope of keeping myself accountable this year. I can't believe we are nearly at the end now!

1.Save £4,000- nearly there with my emergency fund!

2. Start married life with no wedding debt- our wedding cost just over £5,000 all in and it is completely paid off. I posted about the wedding earlier this week and had lots of interest- I have a blog post and a NYC wedding highlight on my stories if anyone wants details of how we tied the knot. I'd highly recommend doing it this way for anyone who wants to elope or have a small wedding, the day was absolutely perfect ♥️ 3. Overpay mortgage by £1,000- with our wedding and savings, I haven't focused much on this so I don't think we've met this goal! The last few days, we've talked a lot about what our financial goals will be once we've reached our savings goal and tackling our mortgage is high up that list!

4. Increase monthly income by £500- as a household, we've done it! A mix of side hustle income and pay rises 🙌

Did anyone else set goals for 2019 and if so, how did you get on?
133 11 23 November, 2019

Happy #Thursday!

Hopefully you caught my blog yesterday but if not, click the link in my bio to read it!

I mentioned in there that we are officially starting to overpay our mortgage this month. After we paid off our debt, we put this idea in the 'some day' box and didn't think about it again until we checked some figures online recently and realised that overpaying by £50 per month would save us £25k in interest and take 5 years off the term!

You guys know I work a two day week but I definitely could make room in our budget for this. When we first got our mortgage I felt so overwhelmed by the weight of it, it just felt like a huge, long commitment. So this makes me feel a lot better.
It would amaze you how much you can save by overpaying so worth checking out with your own circumstances (ive linked to a tool on my blog that does it for you). If you try it out, post your potential savings below!

Happy #Thursday!

Hopefully you caught my blog yesterday but if not, click the link in my bio to read it!

I mentioned in there that we are officially starting to overpay our mortgage this month. After we paid off our debt, we put this idea in the 'some day' box and didn't think about it again until we checked some figures online recently and realised that overpaying by £50 per month would save us £25k in interest and take 5 years off the term!

You guys know I work a two day week but I definitely could make room in our budget for this. When we first got our mortgage I felt so overwhelmed by the weight of it, it just felt like a huge, long commitment. So this makes me feel a lot better. 
It would amaze you how much you can save by overpaying so worth checking out with your own circumstances (ive linked to a tool on my blog that does it for you). If you try it out, post your potential savings below!
111 20 1 November, 2018

Happy #Monday! Have your priorities changed since tackling your finances?

Happy #Monday! Have your priorities changed since tackling your finances?
218 13 30 September, 2019