I came up with the following five steps to financial freedom. This isn’t a new approach – most financial gurus will advise you follow the same steps, though the emphasis on each step might be different. Why would you want to aim for financial freedom? Well, even if you love your job and enjoy going to work, financial freedom will remove a lot of stress from your life. You won’t...
There are two great reasons to take a packed lunch to work. The first is that it will save you money. Whilst the actual amount it will save you depends on what you pack in your lunch box versus what you used to spend on eating out or buying prepackaged sandwiches and salads I can guarantee that it will pretty much always work out cheaper. (I mean, unless you regularly put caviar and truffles in...
I set myself a challenge at the start of October: to save or earn an additional £500 to throw back into my savings. I challenged myself to cut expenses, earn extra money on the side, and generally spend less than I earned. So, how did I do? Cutting back on fixed costs: I set myself the goal of slashing some of my subscriptions. I spoke to my mobile phone provider, my broadband provider and I...
This week we have something a bit different! As October comes to a close, so does my month of money. I’ll let you know how I did in a few days, once I total everything up. But, after that, I’ll be taking a break from writing about personal finance and writing about other things. However, some of you may want to know even more about budgeting, saving money and getting your personal...
Christmas! Whether you embrace its flash and glitter, cherish its warmth or find it all a bit much… there’s no denying that it comes around every year. And every year lots of people spend too much money, and come January are deeply regretting the impulse purchases and last minute presents. As with all occasional but predictable expenses there are a few things you can do that will...
Money is hard. There. I said it. In theory, it’s very easy. They key thing is to spend less than you earn. However. In reality, we don’t have total control over how much we earn. And we all need to spend money to survive. If we consistently spend more than we earn, we go into debt, and eventually end up bankrupt. If we consistently earn more than we spend, we eventually build up...
In this post I will discuss how to earn money on Fiverr – you’ve heard of Fiverr right? It’s a marketplace where you can find people selling design, writing and coding services. The name reflects the fact that most things sell for $5. People use it to commission logos, book covers, business card design and so on. I made $1,180 on Fiverr as a seller, mostly from creating ebook...
I’ve decided that October is now officially the ‘Month of Money’. It’s after the summer holidays, with all the holiday and bbq expenses that entails. And it’s before the Christmas season kicks into high gear, with all the related present and food expenses! My goal this October is to save/earn £500+ that I can put back into my emergency fund. This week we are going to look at how to earn money on...
Confession: I am a foodie. And groceries? They are my nemesis. I can rack up a £100 shopping bill in the time it takes you to say “Do you really need the Cerignola olives?” Extra virgin olive oil drizzled over my tomato, basil, mozzarella and spinach salad. Potatoes roasted in rich, buttery ghee. The nutty deliciousness of hemp oil married with a treacle-thick balsamic vinegar. A...
I’ve decided that October is now officially the ‘Month of Money‘. It’s after the summer holidays, with all the expenses that entails. And it’s before the holiday season kicks into high gear, with all the related present and food expenses! My goal this October is to save/earn £500+ that I can put back into my emergency fund. What’s your goal? Week one: Cut back...
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