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]

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]

Look after your future by managing your savings

I talk a lot about the future on my blog and about how I want to make sure I can provide myself and my family with a financially secure future. When our twins were born we made a big effort to put money away every month for them so that when they’re older they can have a little behind them for whatever we need. We also recognise the importance of having savings just in case something goes wrong. For example, very recently we ha to move house because our landlord decided to sell up. If we didn’t have any savings it… [Read More]

Looking after your child’s future

Everyone knows that having children is expensive. From the moment they’re born – actually, from the moment you discover you’re pregnant the costs start to add up! Nappies, furniture, clothes, bottles, bedding and everything else that comes with having a baby!  Did you know that the average cost to raise a child from birth to the age of 21 is £218,000! That’s a lot of money!  With that in mind you may now be asking yourself how you can invest for your child’s future and why you might want to consider putting some money aside for them.  For me, I… [Read More]

Advice to my younger self

The older I get the more I’ve found myself thinking about what advice I would offer to my younger self if I could go back and do so. Thoughts range from ‘don’t even think about dating him’ to ‘don’t eat that chocolate bar!’ In all seriousness though it didn’t take me long to start remembering all of the things that used to worry me as a child. I was always a bit of a worrier. I don’t know why really. I mean I had everything I could ever have needed and wanted. I even had worry dolls! They were like little… [Read More]

Are you a savvy saver?

We all want the best for our children. For many parents this means a secure financial future, but when it comes to savings and investments – do you really know exactly what it is you’re getting in return? New ISA rules are coming into effect on 1st July 2014 which will allow people to put a maximum of £15,000 into a new ISA (NISA). However, Scottish Friendly are warning savers to be wary of being drawn automatically into holding all their ISA funds in cash. Instead the advice given is to consider the alternative funds available through ISA investments. Sounds… [Read More]

Local Banking

TSB Bank is Britain’s newest bank and they are back in 631 high streets right across Britain. In 1810 the Reverend Henry Duncan believed deeply in the value of the ordinary working people. He wanted to do something of real lasting value to help overcome poverty. Reverend Henry Duncan did something revolutionary. He created a bank whose sole purpose was to help hard working local people. TSB Bank illustrates their story wonderfully in the short animated video below. It starts out by showing the Reverend Henry Duncan sat at a desk, writing and the bank is then built around him…. [Read More]