Debt

A New Beginning

A New Beginning

Something big happened today. My baby started school. It’s been a long time coming, and now that it’s suddenly here I feel all sorts of emotion. I’ve been planning away in the background for this day and all the forthcoming weeks and months. Because for […]

Lonely in Debt – 8 Ways to Avoid Isolation

Lonely in Debt – 8 Ways to Avoid Isolation

Having no money when you’re on a journey to become debt free, or saving, can be hard. It’s a scary time, and it can be incredibly lonely being in debt. It’s very easy to fall into the trap of staying in all the time and […]

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 […]

How to avoid debt this Christmas

How to avoid debt this Christmas

Avoid debt this Christmas by focusing on how you can save money AND please all the people. The truth about Christmas and money Many people secretly dread Christmas each year. There’s so much hype; so much pressure. Half a year is geared up towards preparing […]

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…). […]