The UK Version of the Baby Steps

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 11 - 071218

Debt Payment Progress Report 11 – 07/12/18

Every two weeks I will be sharing my debt payment progress report with you. I'll share my new debt total and some of the things I have done to make this happen. It will help me record my journey and it will also help me to stay motivated! My new total! As of December 7th 2018 my new debt total is £14,620.03 (My starting debt total was £16,814.29) That means that in the last couple of weeks I have paid off £250.53. My new total debt payment to date is now £2194.26, which I have calculated Read more [...]
Decorate for Christmas without breaking the bank

Decorate for Christmas without Breaking the Bank

As someone who absolutely adores Christmas and everything that comes with it I completely understand the urge to go over board with decorations come December. As a result this can of course mean spending a lot of money, but it doesn't have to. From affordable trees to simple touches that give your home a festive feel, here are ways to decorate for Christmas without breaking the bank. Find an affordable tree The centre of most homes at Christmas is the Christmas tree. There are two options when Read more [...]
did I achieve my goals November 2018

Did I Achieve My Goals for November 2018?

We have reach the end of another month and it is time for me to look back at the goals I set and reflect on how I have done. So did I achieve my goals in November 2018? I feel like I could write the a very short answer here. No. No I didn't achieve all of my goals. I have made some progress none the less. My goals for November 2018 were as follows: Boost my side income Begin a sinking fund for next year Clear another £500 of my second credit card Finish saving my tax payment Boost Read more [...]