Winter is officially here. There is a chill in the air and gloom on the horizon. The temperatures have plummeted. All across the country the thermostats are slowly being dialled up. And my place is no different. I recently moved flat and found the central heating to be very inefficient. The central heating is fully electric and uses 4kw/h of energy which equated to about 80p for every hour used. A similar gas central heating hub would only cost around 8p an hour to run. Electric heating is expensive. Add to this my frugal personality and you get a recipe for a search of a more cost-efficient method of heating […]

Black Friday is soon upon us. The annual shopping day where retailers offer huge discounts and savvy shoppers can bag themselves a bargain. Black Friday has routinely been the busiest shopping day of the year for a number of years now and this year is not set to be different. While retailers are knows for slashing prices on Black Friday, here is how to grab an even bargain when shopping online.   When is Black Friday? Black Friday is an informal name for the Friday following Thanksgiving Day in the United States, which is celebrated on the fourth Thursday of November. This year it falls on 27 November.   How […]

How to use the Bulb energy referral code? Bulb Energy is currently offering a refer a friend bonus of up to £50 when you join. All you need to do is sign up via my referral code here. We will both earn £50 when you switch your electricity and gas over to Bulb Energy, or £25 if you just switch electricity or gas. That’s a sweet deal if you ask me! Why did I join Bulb? I recently moved home and decided to do my annual comparison of various utility bills to save some money. Most bills were routine and there wasn’t any room for huge savings. Water supply is […]

The concept of saving and investing can be mind boggling to some. The idea of not spending every penny earnt can be foreign. They have the concept of instant gratification ingrained within them. They have this urge for all their desires to be fulfilled today. These people need a new outlook if they are to turn their financial lives around and start saving. Psychology can help play a part in this.   One psychological way to stop yourself spending is to think how much £1 now will be worth to your future self.   For someone that has just entered the workforce, you have probably got 40 years before you […]

If you have ever purchased anything online, you’ve probably come across a field asking you to enter a coupon code for a discount. Many retailers release different coupons and promo codes for customers to get money off their purchase. While you can certainly do a Google search to find these codes, many times, it can be a long process with no guarantee that they will work.   Well, finding coupons and codes has got a whole lot easier. Honey is a browser extension that automatically finds you discounts and coupons.   You never have to search for voucher codes again. With one click, Honey’s smart shopping assistant will automatically apply […]

Have you ever sat there and thought ‘how do I increase my wealth’ or  ‘how do I increase my net worth’? If you have, than you are not alone. We all think about how to increase our net worths from time to time. But very few put those thoughts into action. So below, I have listed an easy 4 step guide to increasing your net worth. 1. Get out of debt   To me, this is the single most important thing when it comes to building wealth. Debt is the number one wealth killer.  If you have debt, it means that you are not banking all the cash that comes […]

Its bank holiday weekend. But rather than going to see family and friends, most of us will still be cooked up inside. Why not use it to improve your finances? Setting yourself up for financial success doesn’t have to be painful. In fact, it’s probably easier than you think.   15 Things You Can Do Right Now To Improve Your Finances   1. Go through your old books and clothes and see if anything you don’t want is good enough to be sold on consignment or eBay.   2. Sign Up to a cash back website such as Quidco and Topcashback  in order to get paid when you shop online.   […]

If I told you at the beginning of the year that the world would come to a screeching halt, would you have believed me? Probably not. What if I told you this at the beginning of February or even mid Feb? I bet the answer would still be no. In fact, you would probably have thought that I am crazy.   The speed at which the coronavirus has spread has been insane. This has caused governments across the globe to lock down entire cities and countries. Never in peacetime have the streets been this empty. And never have certain sectors of the economy shut down this quickly. These are bleak […]