We’ve all made financial mistakes but I’ve made some real crackers, find out what not to do! If you’ve read some of my posts you’ll know that Mr2p and I are on the cusp of having enough to retire early. Given that we will be retiring in our early 50’s you would be forgiven for thinking I […]
Why You Should Create Your Own Work Uniform – Saving You Time And Money
Creating Your Own Work Uniform Saves You Time And Money When I was younger I hated the idea of having to wear a uniform. To earn extra money I worked part time in a supermarket on top of my day job before I became a teenage mum. Their uniform at the time was a really drab […]
8 excellent reasons why you should not opt out of your Workplace Pension
You can choose to opt out of your workplace pension but are you going to? If you are working and earn more than £10,000 a year then your employer must enrol you in their Workplace Pension. You might think you are too young or have too many bills to pay to think about pensions right […]
10 Ways To Save Money On Your Water Bill
Save money on your water bill and help the environment too. We are extremely fortunate in the UK to have great drinking water, in comparison to other countries. We also seem to have an unlimited supply. Not surprising with our typical British weather! However water is not unlimited across the world and with the way […]
New Year Finances – How To Get In Great Shape This Tax Year
It’s a new tax year and the best time to review your new year finances Post updated 4th October 2019 Every year people make new year resolutions and every year people give up on those resolutions pretty quickly. But this isn’t a new calendar year, it’s a new tax year here in the UK. Taking […]
10 Things I Don’t Do or Buy
“Look after the pennies and the pounds look after themselves” When you are laser focused on saving money, cutting back can sometimes feel like deprivation. Living frugally and loving the frugal life will stop you from feeling deprived. You will feel like you have absolutely enough for you and your family. Enough to enjoy life yet […]
Do you know how much you spend? How to keep your spending on budget
Serious question – do you know how much you spend every week, month, year? And on what? 12 years ago when we decided that we wanted to retire early and move to the country we certainly didn’t know what we spent. We knew we basically spent everything we earned but not on what. Was it all on […]
I Couldn’t Buy My Child Clothes As I Didn’t Have Savings
I Was A Teenage Mum Without Savings When I was a teenage single parent my 18 month old daughter had just 3 sets of day clothes as I was so broke. And those clothes only cost £2.99 a set from the market. I had no savings, no credit card, no overdraft. Unable to buy more […]
Early Retirement – How much do you need?
Mr2P and I are planning our early retirement for our early 50’s as we will have enough money to do so. But we don’t have anything like a million pounds in savings. Our enough will allow us to live quietly and fully without working. We will have enough, not because we earned a lot but […]