Money, we never seem to have enough, or that should be we have a habit of living to our means, Raising children is an expensive business. Mini killed yet another pair of school schools this week. This is his third pair since September and they do not come cheap. I try to make sure I budget and save for unexpected expenses, but some months it fee’s as though we are robbing peter to pay paul, even more so when my clients do not always pay on time (the joys of freelancing)!
So last week I admitted that I am a terrible saver. No that isn’t quite right, now I want to save, I just do not have the spare cash. So I need to save smarter. So I have been figuring our ways to save for non-savers. In fact you would be surprised to know that in just one week I have already saved over £200. Yes £200, so read on to find our more.
Savings, it isn’t an exciting word, especially when you are younger, but oh how I wished I had been a saver when I had more money to save! I have two boys and they are polar opposites when it comes to money. Maxi who has just turned eleven is a saver. He saves all his money, whereas Mini who is nine spends every single penny as soon as he gets it. It burns a hole in his pocket! One of the things I find the hardest as a mum is balancing everything. Trying to find the money to pay for everything we need and to save too.
I know that Christmas can be an expensive time for a lot of people and we all can worry about how we will find the money that we need to spend. So the good folks at the Institute of Inertia asked me to put together my top six tips for being a savvy spender this Christmas. Before I go on to the fab tips, “what is the Institute of Inertia”? I hear you ask. Well it is a panel of experts and me and Ricky from Skint Dad, I wrote about them here.
I was asked if I would like to be part of a group called the Institute of Inertia. What? I hear you ask. The Institute of Inertia is a network of experts and academics (and me) working together to understand why we often don’t take quick and easy steps to make our finances healthier. The long-term aim is to help us all save wasted time and money.
Just over a week ago me and the amazing Penny Golightly,held a twitter party all about shopping habits and family treats. We found out how about how you stick to a budget, choose appropriate family rewards, spend your money wisely and that your shopping habits have changed recently compared to previous years. it was amazing, there were so many tips and ideas and I wanted to share them all with you. [View the story “#SavvySpender Twitter Chat Roundup” on Storify] The party was sponsored by Barclaycard and their Freedom Rewards credit card. This new reward card is potentially very useful for organised spenders who pay their balance off every month, as you earn points on everything you spend, that you can then more »
The wonderful Baby Genies post about the upcoming spending cuts really resonated with me today. I am starting to wonder what is coming to the world. I have blogged about make take on politics, the election and what I wanted to see before and it seems to be as though none of the politico’s were listening. So what will this week bring? It seems to be that the word of the month has been fairness, although I fail to see what is fair about taking child benefit from families where one parent is in the higher tax bracket, especially is like us, I am not working. Nick Clegg also announced this more »
I have a neighbour, yes we all have them, but I have one who manages to make me feel terrible with just a single glance and a turn of phrase. She is always beautifully turned out, drives a brand new sports car, runs her own successful business, has a hot tub in the garden and one perfectly dressed nine year old boy who in her eyes can do no wrong. So this morning when I am screaming at the boys like a fishwife to get in the car or we will be late, hollering my lungs out to leave the drink at home and just get in the car, who would more »