Embracing Frugality (Again)

As I write this, the world is amidst a crisis. COVID 19 has changed life as we know it. Everyone has been affected in some way by the virus. From a monetary viewpoint, the upset is astronomical. The economy has ground to a halt. Businesses have been forced to close their doors, all non-essential work has stopped, …

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10 Budgeting Tips For Easy To Stick To Budgets

When you hear the word budgeting tips, it’s like that feeling when you’re full flow on the dance floor – cutting shapes that would make Michael Jackson proud – and then the lights come on. “What?!?! It can’t be home time already! The party’s just getting started.” But budgeting is not the party killer everyone …

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Pension Or ISA For Early Retirement?

If you’re blazing along the path to financial independence and hellbent on retiring young, should you invest in a Pension or ISA? Traditional retirement advice – which promotes saving around 10% of your salary into a pension–won’t allow you to retire in your 30’s or 40’s. And with pension contributions locked away until you’re 55, …

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Hacking The Big 3 –Slash Your Housing, Travel and Food Costs

When I first got interested in personal finance, I stumbled across a blog called Early Retirement Extreme (ERE). The blogger behind the site, Jacob Lund Fisker, lives on just $7,000 a year! Extreme frugality allowed Jacob to retire at 30 after just five years of saving. Financial independence was something that really appealed to me, so I followed Jacob’s …

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Can You Become A Millionaire in 10 Years?

I spent a lot of time fantasising about winning the lottery when I was younger. Daydreaming about how I’d spend the money and how my life would change was a frequent pastime. At 22, I decided to get real. Having just discovered the world of personal development, I had my think big hat on. Full of youthful …

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Pay Yourself First: The Secret To Saving?

The pay yourself first rule is often flaunted as the holy grail of saving money. Alongside “spend less than you earn” and “live within your means”, it’s a pillar of personal finance. But does it actually work? And how do you put it into practice? Let’s dig deeper into “the golden rule” to find out… What does Pay …

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11 Ways To Improve Your Finances in 2021

Sometimes, all that’s standing between you and ways to improve your finances is a small habit. A little hack could be all that’s needed to boost your bank balance. You might have heard the tip before, but you’ve never applied it, and so never reaped the rewards. In this post, I want to give you …

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Get A Double Discount On Black Friday

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 …

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Join Bulb Energy – £50 Refer A Friend Sign Up Code

Update 1st January 2022- Bulb Enters Special Administration The cost of living is on the increase.  Electricity and gas are going through the roof and many utility providers are going up the spout due to rising energy prices. My provider Bulb has recently gone into administration so I’ve been shopping around for a new deal. …

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