Shopping for Christmas with Just Six Weeks to Go

Shopping for Christmas with Just Six Weeks to Go

For some of you, six weeks until Christmas will mean you still have loads of time to prepare. The festive season hasn't even started yet and you won't think about it for a while. For others Christmas started back in the summer and six weeks will feel like no time at all. Anyone on a strict budget may have a different way of looking at things. Six weeks until Christmas will mean just one more pay cheque, two if you're lucky, until the big day. If you have read either of my previous posts about Read more [...]
what are cash envelopes?

What are Cash Envelopes?

You have heard me speak about budgeting many times before on My Debt Diary. Today I want to talk about one specific method. Whilst many people choose to set up and manage their budget digitally, myself included, cash envelopes are also a popular choice. But what are cash envelopes? What are cash envelopes? Put very simply they are envelopes with cash in. They are a physical form of a budget with each envelope holding a designated category. Most importantly they each hold a set amount of money. Read more [...]
how I paid off my first credit card

How I paid off my first credit card

A couple of weeks ago I finished paying off my first credit card! It had been a goal of mine for over two months and I cannot describe to you how good it felt to phone my bank and close that account. As soon as I hung up the phone I did a happy dance around the kitchen. I'm not joking. Be thankful you didn't witness those moves. For many people starting out on their debt free journey, getting rid of that first debt total might seem like an impossible mission. To help motivate and guide you, here Read more [...]

A birthday gift for £3 | Five Frugal Things for September 2018

In an effort to pay off my debt as quickly as possible, I'm looking beyond simply making extra money. I have been assessing all of my spending habits, adopting a more frugal lifestyle wherever I can. Each month I will be sharing Five Frugal Things that I have done to help improve my finances and ensure I can reach my goal of becoming debt free as soon as possible. One Home made pizza. We do this at least once a month if not more. It's just as much of a treat as if we were ordering in or going out Read more [...]