“Insurance – Is it worth it?” is a paid collaborative post with HSBC. With the cost of living crisis, many families are looking to cut costs and many are asking if they should cancel insurance policies. Before you even contemplate it, you really need to understand what each policy covers and how and also if it is a legal requirement. Please remember that I am not a financial adviser just a regular mum, so please take professional advice.
The lower the family income, the more critical the question of creating savings is. A financial cushion will save you temporary work problems, salary delays, and unexpected expenses. Small loans can save for a certain time, but they also must be returned, so the issue becomes even more urgent. How to save, form a financial cushion, but, at the same time, not give up your quality of life? Financial company Payday Depot is ready to answer this question.
How to save money on groceries and food shopping is part of my money-saving series sharing tips and hints gained over the years and from thrifty and frugal people. With the increasing cost of living and the massive rise in inflation, being a savvy shopper and spender has never been more critical. Getting the most out of your money is something I have learned over the years and I am happy to share it with you.
You should never have to choose whether to heat your home or eat and I hope this post will help you save money on your heating costs. The newspapers have reported recently that 80% of families are planning on rationing their heating this year, with the majority limiting their household heating to one hour in the morning and one hour in the evening and some people totally just going without. There are also local firms setting up warm banks. So many people are worried that they are not going to be able to pay their heating bills.
With the cost of gas and electricity prices sky rocketing it is more important than ever to learn how to save energy when cooking. Did you know that cooking typically accounts for 13.8% of electricity demand in UK homes, with freezing or cooling food requiring a further 16.8% of the electricity used on average according to the Energy Saving Trust?
I think that the majority of the UK is deeply concerned and anxious about the rising energy costs and other expenses and how we are all going to cope in the coming months and pay our energy bills. There will be lots of people unable to pay their upcoming utility bills and I know that I am very anxious about it (especially having just received my water bill and the direct debits more than doubling). I have blog posts about ways to save energy, however, this crisis is not something you can budget your way out of. I know you can not budget your way out of destitution and would never more »
How to save on back-to-school shopping was originally a paid collaborative post in conjunction with My Voucher Codes back in 2018 and updated in 2022. I would love to think that I am an organised Mum but half the time I am a fly-by-the-seat of my pants mum, however, when it comes to saving money I am on it! Raising children is expensive and any penny I can save means that I can spend it somewhere else, preferably on something fun.
If you ask any successful entrepreneur about the key to starting a successful business, the most common answer you will hear is investing in the right opportunity at the right time. There are some businesses that have started out as an accident or emerged from something that just luckily managed to gain momentum later on. However, this is a very small percentage of businesses, and most of these enterprises have a limited life. As soon as things start to change or as soon as the product/service starts to lose demand, these businesses have little that they can do to keep things going. There is more to a successful business than meets more »
Taxes can be daunting for anyone but when you are running your own business it is even more important to keep things in check because you could end up putting your livelihood at risk. Not only can you end up incurring financial penalties, but you can get yourself in some legal trouble if you do not pay the right taxes at the right time. An important tax for small business owners to be aware of is VAT or value-added tax. I am not yet at the stage where I have to pay tax but I do earn money being a blogger (find out how).
As a family, we’re always trying to save as much as we can. We can’t necessarily afford to put a great deal aside each month, but it’s always so reassuring to have a little bit put away for things like holidays, days out, and, of course, Christmas and Birthdays. But, with the looming inflation rises, the ever increasing energery cost rises and my boys growing up quicker than I ever thought possible, and things like going to university, moving out and, dare I say it, weddings, looming ever closer on the horizon, I’m trying to find ways in which we can cut back and save more.
Any person can look his best without having to spend thousands on clothing. It all comes down to the strategy you have when it comes to clothes shopping. It is a general misconception that you have to earn a lot in order to look impeccable. On top of that, you don’t have to wear designer clothes to look classy and polished. Still, you can incorporate some new habits. Before we talk about that, note that your expectations should be realistic when your budget is limited. It’s true – you can stay fashionable on a budget, but it’s not as easy as it would be if you had a higher sum of more »
It’s easy to think that motherhood and entrepreneurship are mutually exclusive. And never the two shall meet. However, more mothers than ever before are looking into and successfully launching side hustles in order to bring in more income for their household, because they have a passion for business or simply because they want to reclaim some of their identity and start an exciting new chapter in their lives.
Combating Financial Fraud in the Elderly is a paid collaboration with GuardianCard. This year has seen a real increase in financial fraud with criminals exploiting the changes and a rise in online data harvesting and a fall in cheque and contactless card fraud. This is where GuardianCard comes in as it is a safe, simple and secure solution to taking care of the finances of an older or vulnerable family member.
2020 has been a challenging year for a lot of people and we are running on an overdraft here in the Mad House at the moment and really that isn’t a great long to medium-term solution, so we have been considering applying for a loan to cover it. So it was perfect timing when HSBC approached me with this fab infographic with tips for successfully applying for a loan.
Managing your family finances efficiently will allow you to live a happy and peaceful life and enjoy financial freedom in the future. Whereas, poorly managed finances may lead to arguments and stressful situations as a result of lack of funds or unexpected financial expenses. Fortunately, there are many simple ways to manage your money better, save for fun activities, and secure a more comfortable life for your family. Here are some tips on how to manage your family finances more efficiently.
The endless summer days are often a real challenge on a family budget. When you have the children around all day they can be lots of additional expenses and as soon as you go out then that can be even harder on the pocket. So I want to share my simple ways to save money this summer whilst still having fun.
Tips for keeping safe whilst shopping online is a paid collaborative post with Mcafee. I am a BIG fan of doing my shopping online. I don’t really like crowds and much prefer to find the perfect gift in the comfort of my own home with the benefit of having it delivered directly to me. Plus the internet has opened up a wealth of independent shops that are no longer available on the high street where I live.