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PersoNAL Finance



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financial planning 

Personal finances


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Perosnal finacne

financial independence 


A few years ago, my husband and I didn’t budget.  And because we didn’t have a budget, we didn’t have a handle on our finances. We were in the overdraft around the 10th of every month, yet we were still enjoying holidays in Europe.  To say that our personal finances were in a bit of […]

February 18, 2024

How to create a budget in 6 easy steps

Becoming debt free is not easy but is it possible! It was only a few years ago that we were paying over £1000 a month on debt. Yes, £1000 a month! All that money on debt and interest and it was so depressing. But then, after our ‘aha’ moment, we were on a mission to be […]

February 10, 2024

Tips and Tricks To Become Debt Free

High interest rates on your credit cards and the cost of living are just some of the money problems that might be keeping you up at night. You might be so focused on these, or similar problems that you forget how far you’ve come. It’s at times like these, that you need to celebrate the small […]

February 9, 2024

Celebrate the small wins!

I know that in today’s economic climate, managing debt can be a challenging task, especially with everyone talking about the looming possibility of a recession. If you are keen to master financial resilience, then read on! This blog on Mastering Financial Resilience provides valuable tips and tricks to help you pay off debts and stay financially […]

January 21, 2024

Mastering Financial Resilience

The importance of emergency funds have been made very clear to us in the last few years. As you may have experienced, life is an unpredictable journey, filled with unexpected twists and turns. Financial challenges often arise when we least expect them – a car repair, a broken boiler, or an unforeseen medical expense. And having […]

January 5, 2024

Emergency Funds and why you need one

Debt management is a crucial aspect of financial well-being, and various strategies exist to help you become debt free. Two prominent methods of debt management that you may have heard of are the Debt Avalanche and the Debt Snowball. While both aim to eliminate debt systematically, they differ in their focus and execution. In this […]

December 1, 2023

Debt Snowball vs Debt Avalanche

What are spending triggers? Spending triggers impact everyone, and they often operate beneath the surface of our awareness. How can you control your spending triggers?  Even the most financially frugal individuals can find themselves succumbing to impulsive spending urges.  The purpose of this blog is to help you recognise and understand your spending triggers, enabling […]

November 19, 2023

What are spending triggers?

Setting meaningful financial goals may be the smartest thing you do that will provide you with financial security and freedom in the future. You can spend a lot of time focusing on your financial situation but unless you have specific goals you may struggle to change your current situation. Goal setting is an important part […]

November 3, 2023

Setting Financial Goals

October Half Term is here, and although you may be on a tight budget, there’s no need to worry! I’ve got you covered with these affordable ideas to keep your children entertained without breaking the bank. Get ready for October Half Term filled with fun, adventure, and quality family time! Embark on a Literary Journey […]

October 22, 2023

Affordable Ideas for October Half Term

The cost of living crisis, the rising of energy bills are all bad news for our wallets. So with Christmas fast approaching, we need to be careful with our money and try are best not to get into debt. This is exactly why we need to celebrate Christmas on a low budget! As per data […]

October 19, 2023

 Christmas on a budget

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