The Average Cost Of A Family Day Out

Just a couple of weeks ago we experienced our first real February half term. Of course, we have been through half terms before but Erin went to the holiday club at her previous nursery but we don’t have that option any more. This time it was just me and Erin from Monday to Saturday and I had to figure out how to fill our week. It’s very rare that we have much (or any) spare money unless I really plan out finances down to the last penny and months in advance. We didn’t actually do too much this half term

Getting Your Finances In Order When You’re Self-Employed

Last year was my first full January to December year of being self-employed. I think in total it’s been around 18 or 19 months in total now thought but last year, getting to see what being self-employed was like for a full calendar year was an eye opener. Before I quit my job in 2017 I had always worked from being 13. I have been used to earning a regular wage and knowing when I would be getting paid and not only that, but how much I would be getting paid. Being a self-employed blogger brings with it a lot

5 Ways To Save Money When Buying Presents

Speaking from personal experience, it is really easy to over spend or go over the top when it comes to buying presents for others. If you’re anything like me, and pick things up all through the year when I see them, the loft becomes a great hiding place but it always means I tend to forget what I’ve already bought. This means I end up with more presents than I need and spending more money than I should have. With Christmas in less than 100 days it’s really time to start thinking about ways to save money for Christmas so

Planning For Erin’s Future Education

Erin’s 3rd birthday is coming up sooner than I would like. Turning 3 means the funded nursery hours start next April and we will no longer be paying anywhere near what we are now in nursery fees. Honestly, sending Erin to nursery at 2 has been crippling. While we have managed to pay the fees it has been incredibly hard and John has been working every second of overtime available to make sure we can pay for it. Now don’t get me wrong, we absolutely did the right thing for Erin by putting her in nursery at 2. She wasn’t seeing

How To Cope With Unexpected House Repairs

You may have read a little while back that we are having a bit of a bad year with our house. We have had one thing after another break and some things were pretty big… like a bad storm blowing a chunk of our roof off. Sometimes I think we forget how stressful being a homeowner can be and it can be easy to miss the days where a landlord or letting agent took care of these kinds of things. So, with us having such a bad year I thought it was important to start thinking of ways to cope

Feeling Frustrated With Funded Childcare

As a self-employed blogger I find myself on the HMRC website a lot more than I would like to. I have only been self-employed since August 2016 and only full time from July 2017 which isn’t very long at all. It’s safe to say that I don’t know what I’m doing a lot of the time when it comes to self-assessment tax returns, tax and National Insurance contributions, among other things. I think sometimes it’s easy to forget that someone else dealt with all of that when I was employed and it was all just printed on a pay slip

Planning For Our Financial Future

John and I are now both getting close to our mid 30s and we’re beginning to think more and more about what we want when we’re older. I’m not necessarily talking about when we retire but in the next 10 or 20 years. While we are lucky that John has a good pension, and has been paying into it for quite some time due to being in the same job for so long, I don’t have the same thing so we need to be savvy about planning our financial future. Regular savings At the moment, we’re not really in a

How Winning The Lottery Would Change Our Lives

I know that people say that money can’t buy you happiness but I don’t necessarily agree with that. You see, money is a bit of a struggle for us at the moment and I know that having more of it would make us all that little bit happier. I’m a bit of a daydreamer and often find myself thinking about how having a nice sum of money would change our lives. I’m not a greedy person and I certainly don’t need to win millions but Lottoland’s Lotto Plus has prizes of different amounts and the second prize of around £50,000 would