Emergency Fund

What is an emergency fund?   An emergency fund is a pot of money that you save to use in the event of a financial emergency.  A financial emergency can be defined as any unplanned cost such as your boiler requiring a repair or something that comes completely out ofRead More →

What are Sinking Funds?

The term sinking funds is used a lot, particularly when it comes to budgeting or when aiming to become Debt Free.  So, what are sinking funds? What are Sinking Funds? A sinking fund is the regular saving of money in preparation for paying for something by a certain date.  ByRead More →

Real Life Debt Stories - Jen from Girl Seeks Joy

Real Life Debt Stories - Jen from Girl Seeks Joy.  Jen shares her debt story with us -  her starting debt, lightbulb moment, making extra money, favourite repayment methods and how to stay motivated. Real Life Debt Stories - Jen from Girl Seeks Joy Welcome to my series of 'RealRead More →

Debt Busting - Get set for success

I am pleased to announce that I have an Ebook - Debt Busting - Get Set for Success which is available on Amazon.       If you are you ready to tackle your debt. Want to take control of your spending. And tackle your debt but don’t know howRead More →

Real Life Debt Stories

I love to feature real stories on my blog and these real life debt stories are so inspiring. These stories are of real people who have experienced debt and how they are working to become, or have become, debt free. These stories show how people can easily get into debtRead More →

What Does Bad Credit Mean for Your Finances? Bad credit can make things very difficult for an individual, as it is something that can be challenging to recover from. This is particularly true when you factor in that you may be unable to borrow money due to a poor creditRead More →

Real Life Debt Stories - Simplistic Steph

Real Life Debt Stories - Simplistic Steph.  Steph shares her debt story with us -  her starting debt, lightbulb moment, making extra money, favourite repayment methods and how to stay motivated. Real Life Debt Stories - Simplistic Steph   What was your Lightbulb moment?     Logging onto Wells Fargo,Read More →

Real Life Debt Stories - Simplistic Steph

Real Life Debt Stories - No_More_Debt.  No_More_Debt shares their debt story with us - her starting debt, lightbulb moment, making extra money, favourite repayment methods and how to stay motivated. Real Life Debt Story - No_More_Debt What was your Lightbulb moment? January 2nd 2017, after busy Christmas and a sedateRead More →

Real Life Debt Stories - Formerly Skint

Real Life Debt Stories - FormerlySkint shares their debt story with us - starting debt, lightbulb moment, making extra money, favourite repayment methods and how to stay motivated. Real Life Debt Story - FormerlySkint What was your Lightbulb moment? After graduating from university in 2012, I found it very difficultRead More →

Real Life Debt Story -Thrifty Clair

Real Life Debt Stories - Thrifty Clair shares her debt story with us - her starting debt, lightbulb moment, making extra money, favourite repayment methods and how to stay motivated. Real Life Debt Stories - Thrifty Clair Welcome to my series of 'Real Life Debt Stories'. The series is dependentRead More →

how to start your debt free journey

Everyone starts thinking about aspects of their life that they would like to change.  If you are looking to change your life by tackling your debt, then this post will show you How to Start Your Debt Free Journey. Where do I start tackling my Debt? You have just askedRead More →

Real Life Debt Story - Pretty Debtless

Real Life Debt Stories - Pretty Debtless shares their debt story with us - her starting debt, lightbulb moment, making extra money, favourite repayment methods and how to stay motivated. Welcome to my series of 'Real Life Debt Stories'. The series is dependent on you sharing your stories, so ifRead More →

Real Life Debt Story - Father with Cents

Real Life Debt Stories - Father with Cents shares his debt story with us - starting debt, lightbulb moment, making extra money, favourite repayment methods and how to stay motivated. Welcome to my series of 'Real Life Debt Stories'. The series is dependent on you sharing your stories, so ifRead More →

Welcome to the first in my series of 'Real Life Debt Stories'.  The series is dependent on you sharing your stories, so if you are interested I'd love it if you'd complete this questionnaire. There are just 10 questions.Read More →

snowball, snowball method, debt, debt free, debt freedom

This week we are looking at how you can use the Snowball Method for paying down debt. Debt Free with the Snowball Method The Snowball Method is a favourite of many people tackling their debt and is a method supported by Dave Ramsay, author of Total Money Makeover. As withRead More →

reduce outgoings, reduce bills, cheaper bills, pay debt, debt free, reduce debt, save money, money saving

Whether you are trying to reduce your debt or want to increase your savings, one of the best things you can do for your finances is to regularly review your outgoings. I like to check mine at least once per year.Read More →

debt, debt free, face reality, face your debt, debt freedom, get out of debt, pay off debt, debt repayment

One of the hardest things to do when you are in debt is to face it head on.  It is far easier to bury your head in the sand, but isn’t that the reason you are in debt in the first place.Read More →

You’ve finally made the decision!  You know it is time to tackle your debt.  You are fed up with how much your debt is holding you back. The trouble is you just don’t know where to start when it comes to beginning to tackle your debt.  That was the exactRead More →

  Debt Busting – Get Set for Success! Often when we are being buried by debt, it is difficult to see the way out.  This ebook has been designed exactly around that.  This is a 6 step guide, designed to help you get your finances in order to enable you toRead More →