Easy Ways for you to Save Money When You Have a Family

If you know that you need to start saving money because you want to book a family holiday or even because you want to try and have more money on a day to day basis for your family then there are things that you can do to try and help yourself with this. The best thing about these tips is that you won’t find yourself constantly struggling to say no to your family, and they are very easy to follow. Make a Plan The first thing that you need to do is have a monthly savings goal. The idea here… [Read More]

Amazing ways to maximise your free time

Everyone has those days where your to-do list seems never-ending, and you barely get to relax in the evenings before you’re getting up and doing it all again. Time is money they say, and just like budgeting to keep track of your money, you should be budgeting to keep track of your time. It’s very easy to let the day slip away from you, leaving you exhausted and unable to enjoy your free time as much. Below are a few tips to help you manage your time better and leave you ready to put that free time to good use…. [Read More]

8 Budgeting Tips for New Mums

If your new bundle of joy is nearly here, or you’ve just celebrated their arrival, you might find yourself worrying about how you’re going to deal with your new financial situation. Having a baby can mean living on less money, and spending more at the same time – which is a very worrisome concept for most new parents. The good news is that you don’t necessarily need to panic and sell all of your belongings just, so you can be sure that you have enough cash for next month’s diapers. Here are some budgeting tips to help you live on… [Read More]

How to Budget When You Have a Low Income

Managing money is always tricky and when you have a low income, a slight change in circumstances can make a huge difference.  That’s why budgeting and planning is a crucial part of managing your money but how can you start doing this? Working out your budget To start with you need an idea of what you have coming in and what you have going out to create your budget.  There are some good budget planners online at sites like the Money Advice Centre.  This will include looking at how much basics cost such as rent or mortgage, gas and electricity… [Read More]

Finance: The Other Investments

There are many ways you can invest your money in this day and age. But what about the other ones. Those offshoots that you only hear about rarely in hushed circles. Everyone knows about the stock market, and investing in gold. But what about the other stuff? Well, it is out there, and you can make the most of it if you are careful and do your research. Investing is a sure fire way to improve your finances so long as you are careful and do the research. You can lose your money if you don’t. So if you decide… [Read More]

Gift to Family Surprise Video

Giving back to our family can be a great way to get that ‘feel good’ feeling. It could be a simple act such as watering your sisters garden whilst she’s on holiday, or you could go all out and re-decorate a room from your own pocket. Whatever the act, giving back always feels good. We’ve recently worked with Saga to highlight how the use of equity release can be used to give back to your family. My husband, Nigel, and I decided that we wanted to gift Nigel’s daughter, J, with an item for her new home. You see she’s… [Read More]

Champagne Tastes, Lemonade Pockets!

‘Champagne Tastes, Lemonade Pockets!’ I love that saying! It reminds me of when I was a teenager because that’s exactly how I felt! I wanted all of these things, but I couldn’t afford them all! I was a student in college and although I had a part time job I only earned £52.50 a week which didn’t get me very far. Nowadays there are lots of finance options available for students, but when I was growing up we weren’t eligible for anything like that. If I wanted to buy something I had to save my money, which would take me… [Read More]

Ocean Fairy Homes Challenge

Ocean Finance recently challenged a number of bloggers to take part in a campaign to create a bespoke fairy garden home. As a mum of twin girls I knew this would be a challenge I couldn’t turn down! I love the innocence and magic that being a child can have so when I told my girls that some fairies would be leaving us some things to create a magical garden for them, they were both super excited! We were given £40 to spend and I think we spent it pretty wisely. Being a keen gardener I already had a patio… [Read More]

Why do people take out loans and what are the best options?

There are many reasons why people decide to take out personal loans. For the majority it’s either because they want to pay off existing loans or because they need the extra money for business purposes. Other reasons can include home improvements, funding education and car repairs. Freedigitalphotos.net/stuartmiles Types of personal loans The great thing about a personal loan is that you can use it for any purpose. There are various types of personal loans available for borrowers, but the two most common types are secured and unsecured. Secured loans typically have lower interest rates and are secured by a cash flow or… [Read More]