The prospect of retiring is a long way off for me. To be honest, i’m only just embarking on my chosen career - primary teaching. I do know that the idea of retiring doesn’t excite me the way it does others. I’d rather find a job I enjoy so much that it’s [...]

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One major thing I’ve done in the last year to simplify my finances is to get a flexible mortgage. This type of mortgage allows you to overpay and take payment breaks. All excess funds go into a savings pot which is offset against the mortgage lowering the interest to be paid, and, in [...]

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I recently wrote my top ten money saving strategies that are ensuring we can live off one wage, whilst I stay at home with my daughter Erin. Also providing me with the option of returning to full time education in the near future.
Now it’s time for seven false economies that have tripped me [...]

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For the past 20 months I’ve been a stay at home mum, and for the most part we’ve lived off one wage, this situation sets to continue as next year I’d like to go back to college.
Over the summer I’ve looked at our budget and expenditure in depth. I’ve figured out the [...]

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I’m pretty lucky, Erin asks for nothing more than the odd biscuit or grape at the moment. In a few years, it will be a completely different story, “mum, can I have” will be the war cry. The summer holidays will be yet another financial event to be budgeted for.
In the [...]

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A while back I wrote an article about keeping costs low as a new mum, it’s time to update that article with ideas suitable for toddlers and the parents of.
Food
Milk
We moved from powder milk to full fat milk as soon as Erin was 12 months (recommended earliest age). Not only is the carton milk [...]

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As you may have read, I have particular interest in further education at the moment. How to pay cash for college offers some great tips on how to make the pennies (cents) stretch a little further.

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1. Accept Hand-Me-Downs
Don’t be too proud to accept second hand goods, the money you save can be used to buy other baby products. Alternatively put the savings into a trust fund, your baby will be pleased you did when they turn eighteen.
2. Don’t Go On A Spending Spree
As tempting as it may [...]

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I popped out to the shops earlier and I ended up going into T K Maxx. It’s not somewhere I have ever been before but I was surprised to find a whole corner full of children/baby toys, all brand name and all with 50% plus off!
I couldn’t believe it when I saw quite a [...]

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It’s The Little Things That Count
As the title says it’s the little things that count, and the little things that you and your guests will remember. The hand-made but very beautiful table centre pieces, the table toy for someone’s child…..
Here are some suggestions;
My wedding as I mentioned was in Wales so we had someone make [...]

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