Money Mindset

Final Week! How to Save for the Big Things that Make Life Fun

This is post 7 of 7 of the budget series. This week I’m talking about how to budget to save for events or the “saving to spend” fund. We all have those events don’t we? The ones where we need a big chunk of cash? I needed a very large stash of cash for when …

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Essential Spend

Spend less on this, and you’ll give yourself a “payrise”

Welcome to week 3 of the budget series! This is where you allocate money to different “slices” of your budget- ….charity….fun….essentials….saving….investing….education….emergency fund….   Post 1 on “charity and giving” is here. Post 2 on “fun money” here. The money-pie-method is here.   Spending on the essentials So what am I talking about? I’m talking about …

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“I’m too busy” – this *tiny* phrase will keep you BROKE

    There are certain phrases in life, that if we tell ourselves enough, we eventually believe it. “I’m too busy” is one of those phrases, and I believe it should be banned from everyone’s vocabulary. I struggled with procrastination and “being too busy” with many things in my life, such as learning to play …

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What does a crash diet have to do with being broke?

After looking at my bank account this morning…. …I found myself feeling nervous. I worked out that by the end of the month, I will have less than £1000 in my account, but nowhere near £0 or my overdraft. This stuck me as funny, because only a few years ago, I was REGULARLY in my …

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A lesson I have learnt about money from the NHS

#last1000days – a Gift from the NHS So last week I had my induction for the start of GP training. Every year the induction process gets more and more tedious – the same “fire-safety” information, how to lift boxes, microbiology, pharmacy…the list goes on. Usually I’m bored out of my brain listening to it all, …

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We earn a decent income, so why are we poor?

        I hope you’re having a good week so far, and you’re well into the new year mentality now! Well what do I want to talk about today? How do you see yourself financially? Do you think you earn reasonably well, but have very little to show for it? One of the …

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decluttering

Declutter Your Life, Sort Out Your Money

If in doubt – declutter!! Decluttering is a term that can be applied to anything that is causing overwhelm and confusion in your life, especially money. It is a necessary evil (maybe you enjoy it?!), not only with the obvious benefit of being able to sell your unwanted crap if you declutter your belongings, but …

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Living a Champagne Lifestyle on Lemonade Money

Champagne lifestyles…. This is a topic I know A LOT about. I have a sneaky feeling you do too. So what do I mean by living a champagne lifestyle on lemonade money? What I mean is that you live a lifestyle that is far above what you actually bring in every month in your salary. …

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A shoe isn’t “just a shoe” – the trap of emotional spending

Emotional-spending If you’re anything like me, you will have a spending weakness for something – be it shoes, bags, makeup, watches (like my mum), cars or toys for your kids, there will be SOMETHING you can’t resist. For me its shoes. Specifically; high-heeled ones. With red soles. Don’t get me wrong – before this, I …

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