five frugal things - october 2018

A Frugal Autumn | Five Frugal Things for October 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 Pumpkin soup and pumpkin pie. Off the back of a very autumnal weekend we spent pumpkin picking with friends earlier in Read more [...]
Saving money in a piggy bank isn't just for kids

Saving money in a piggy bank isn’t just for kids

In a previous post I spoke about a method of saving called skimming. This is the process of checking your bank balance each day and moving the small change from your current account over to your savings account. Each day only a small amount is saved but over time this can really add up. Of course, this method doesn't work for everyone. For those who prefer to use cash, a more tactile method can be much more effective. Saving money in a piggy bank isn't just for kids after all. Saving money in a piggy Read more [...]
My plan for retirement while I pay off my debt

My plan for retirement while I pay off my debt

My Debt Diary is a place for me to share my debt free journey. I update you every two weeks on my progress and share tips and advice as I build my own financial knowledge along the way. It is very much about what is happening now and in the short term. But what about the long term? I am very focused on my mission to pay off all of my debt, however I have to think about the future too. Here is my plan for retirement while I pay off my debt. My savings amount will be progressive and will grow once 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 [...]