Debt

How Important is Your Credit Score?

How Important is Your Credit Score?

It’s something a lot of us are quite concerned with in the debt-free community. I want to put a different spin on it. Presently, we’re occupied with paying off debt and moving away from living a life on credit. Which begs the question: How important […]

My No Spend Life (Or Not)

My No Spend Life (Or Not)

I recently read The No Spend Year: How you can spend less and live more by Michelle McGagh. I’ve been left puzzled by exactly what I was spending money on prior to this debt-free journey. If you’ve not read it, it’s well worth it, as it […]

Six Steps to Get Out of Debt

Six Steps to Get Out of Debt

Being in debt can be a scary, lonely ordeal and it’s a stressful place to be, especially when you’ve got to the stage of having debt-collectors knocking on your door to ‘reconnect’ with you and arrange a payment plan. When you’re at this stage it’s […]

Save Money On Your Phone Bill

Save Money On Your Phone Bill

Part of our debt-free journey involves regular checks on where we can save money, and for the past three months, I’ve been focusing on paying off our mobile phone device plans.   The truth about our phone bills. My phone bill for my iPhone was £33.00 […]

Pay off Debt: 13 Ways to Cut Spending

Pay off Debt: 13 Ways to Cut Spending

Saving money isn’t just about cutting back on the grocery bills or nights out. Look at other areas you could save, in order to cut your spending and pay off debt. 1. Mortgage If it’s not possible to remortgage, you can request a product transfer […]

My debt snowball

My debt snowball

  THIS is what happens when we get credit (see below). You turn 18, and you apply for your first credit card, because that little leaflet you received through the post stroked your ego. ‘You’re officially a grown-up now! You’re working, and now you can […]

Trying to become debt-free – it’s not all plain sailing

Trying to become debt-free – it’s not all plain sailing

I’ve always been a huge advocate of saving money, since I first got myself into debt in my twenties (it was one of those “Hey, Miss, you’re 18 now, have a credit card and go and treat yourself to something nice!” And so it began…). […]

13 Reasons Why We Overspend

13 Reasons Why We Overspend

Budget. Like it or not, it has to be done. Things like mortgage, rent, utilities, council tax etc, are regular or fixed expenses. We know they’ll be coming out. We allocate a set amount of money to our weekly food shop, and our petrol costs. But what […]

My debt-free journey and how it began

My debt-free journey and how it began

My debt-free journey came one day after weeks of threatening to do a budget. Weeks before my short-term work contract came to an end. And fortunately, before we found out that one of our outgoings was to double. Overspending horror. I finally sat down and […]