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Showing posts from May, 2015

How much money do you bring in each month?

Welcome to week one of our money management walkalong.  We are going to take a look at our financial well being and then make a plan. This week we are going to make a record of our annual income split down per month.  For many people this is the simplest thing to do. Forms of income Salary Wages (remember that if you are freelance that this will be gross) Child benefit Child tax credits (If eligible) Cashback Interest from savings Dowload you A4 copy here So I will be back during the week with a form to track your expenditure. Do you have a post that is about thrifty parenting, decorating or lifestyle.  One that is about frugal food or crafts and art.  or even a post about making the post of what you have, then please do link up.  Each week we make sure we pin the post, feature some on our facebook pages and then we each have a round up on a Sunday. Let’s all share that being frugal can be fabulous.  This week I want to share with you this fab oval cr

Money management for beginners

Believe it or not my background is in accountancy and I married an accountant too, however, I never really took our home budgeting seriously, that is until we had NO money!  yes I was a fool. So over the next four weekends I am going to talk to you about money management and budgeting for beginners.  We are going to take a look at how how to capture your spending, work out your total incomings, prepare a basic budget and then make a basic financial plan We are going to do it in this order as I personally feel you can not make a short or long term financial plan without knowing how much you are bringing in or how much is going out. This is a really simple thing to do, but you really do need to follow the steps. Each week I am going to provide you with a basic planner and then talk you through the steps and then we are going to look at ways we can manage out families finances. So before we start net Sunday I want you to take a week to make sure you are committed to this.  It is

Free two months family and friends railcard

It is that time of year again and you can get  two months free family and friends railcard .  You can expect to receive your free two month Family & Friends Railcard in the post by 31st May 2015 and it will expire on 31st July 2015. From 14th July 2015 (until 14th August 2015) you will be able to take advantage of the special £10 discount offer when you buy a 1-year Family & Friends Railcard online. So you might want to make a note of this date to ensure your savings continue - for only £20 for another whole year.  We love our card and you save 1/3 off adult fares, and 60% off kids’ fares on travel throughout Great Britain.  If you travel with a child between five and 15 years old then  you're  eligible.  Up to four adults and four kids can travel on one card, and they don't even need to be related. So, for what works out to around £2.50 a month, you can look forward to dramatic savings for the year.  All child fares are subject to a £1 minimum fare. Do you