Grocery Shopping on a Budget

Grocery shopping on a budget, this is really an area you can save yourself hundreds of pounds on over the course of the year. Lots of people have asked me how I keep my food expenses so low. Easy, I don’t eat out often, and all the food I eat …

Emergency Fund – Do I Need One?

An emergency fund, in my eyes is a must have. What it is, is basically a bank account you have with enough money to last you for 3 months or so, incase you loose your job, or an emergency pops up, like your car breaks down, boiler packs in… and …

Living by the 50/30/20 Budget

Budgeting is more than just knowing how much you make and spend each month, a budget should determine how much you spend and save each month. The 50/30/20 rule of budgeting, also called the 50/30/20 budget is a proportional guideline that can help you keep your spending and saving balanced. …

How to Make a Budget

The big question, how to make a budget? Making a budget may seem like a daunting task, you may find out you have been spending thousands over the years on something that you never actually use, like a gym membership, or that Netflix account that you used twice, but it’s …

Why Bother with a Budget?

Why would you even bother with a budget? After all, you may know roughly how much you spend each month, and how much you make each month, so whats the point? Some people may think of a budget as restrictive, but it doesn’t have to be, it is just showing …