five frugal things January 2019
Debt Free Journey, Financial Freedom, Five Frugal Things, Healthy Finances, Money Saving

Cheap Wedding Rings | Five Frugal Things for January 2019

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 Free flowers. A week or so ago a blogger that I follow posted an Instagram story about some beautiful flowers she had received Read more [...]
The UK Version of the Baby Steps
Budget, debt, Debt Free Journey, Emergency Fund, Financial Freedom, Healthy Finances, Money, Personal Finance

The UK Version of the Baby Steps

Dave Ramsey's The Total Money Makeover is a book I have spoken about many times before. His debt payment process of using the Baby Steps is an absolute favourite amongst the debt free community and it has helped many people across the world to become financially free. It is however aimed at financial practices and products in America. The tips can therefore be a little hard to navigate if, like me, you are based in the UK. Here is my guide to the UK version of the Baby Steps. Please remember to Read more [...]
debt payment progress report 13 - 250119
debt, Debt Free Journey, Debt Payment Progress, Financial Freedom, Money, My Debt Story, Personal Finance

Debt Payment Progress Report 13 – 25/01/19

Every two weeks I share my debt payment progress report with you. I post my new debt total and some of my money making efforts. It can be so easy to get caught up in the day to day payments, especially when my total is going down slowly. These reports help me to record my journey and stay motivated as I look back over the progress I've made so far! My new total! As of January 25th 2019 my new debt total is £14,272.74 (My starting debt total was £16,814.29) That means that since I last updated Read more [...]
how to handle a slow work month
Debt Free Journey, Financial Freedom, Money, Money Making, Personal Finance, Self Employed, Work, working from home

How to Handle a Slow Work Month

As someone who is self-employed I have a very unpredictable and varied income and I can often have months where my abilities to pay off my debt are challenged. Sometimes my income drops a little and I have to slow down my over-payments a tiny bit, other times my income drops drastically and more extreme changes to my debt payments are needed. Here are a few tips on how to handle a slow work month based on my own experience. Focus on minimum payments Whilst I would normally throw every spare penny Read more [...]