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 13 - 250119

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

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 [...]

Debt Payment Progress Report 12 – 11/01/19

All of a sudden we have arrived in a brand new year. It has been almost an entire month since I last did a debt payment progress report. After I got caught up in the festive season I decided to just ride the wave instead of fighting against it. I took a break from writing, but not from my debt journey. Let me catch you up on where I am now! My new total! As of January 11th 2019 my new debt total is £14,435.87 (My starting debt total was £16,814.29) That means that since I last updated you Read more [...]