Switching Our Electricity Supplier To Bulb

AD | Includes referral link I think it was back in April, or maybe it was late March, that our tariff ended with our electricity supplier. We had been with Scottish Power since moving into this house 6 years ago and never really thought much about it. However, we had nothing but problems since lockdown started. Everything to do with our account was generally done online and we had switched tariffs multiple times before with no issues. This time though, for an unknown reason, the change would not stick. This meant us having no set tariff for weeks and our

Planning For An Unknown Future

AD | Collaborative post When you’re younger, maybe in your late teens or early 20s, it’s really easy to ignore that the future will happen. I know because this was me at those ages. In fact, it was me in my late 20s as well. To be completely honest it wasn’t until I met John, bought a house and started a family that I really started to think about certain things. Death isn’t a nice subject but it’s one we need to think about carefully and plan for. Wills So what can you do to plan for the future? Something

What We’re Doing To Be In A Better Financial Position

The past couple of years have been hard and we’ve really struggled. Being self-employed was great to start with; I’d been earning a steady amount each month for well over a year and a half and didn’t think anything of it. I still don’t really understand why or what happened but all of a sudden my earnings dropped to under 1/3 of what I had been making. We had obviously grown accustomed to living a certain way and relied on the money I had been making. Without that, things were really tight for a long time. So, over the past

Starting A Savings Fund And How To Add To It

Over the years money has been tight. Some years it has been worse than that and we’ve really had to scrape something together at times. Money has never really been an easy thing in our house but we’ve also not really been very sensible about it either. The only time I think we have ever had any savings is when we were saving to buy our house, over 5 years ago. Since then I think we’ve only ever had some kind of savings when we’ve had a holiday to plan for or something. So, now that we’re in a bit

3 Ways To Save Money For Christmas

AD | Paid collaboration Christmas can be a really stressful time of the year and each year there seems to be more and more pressure to go one further than the year before. As someone with a New Year’s Day baby, I try to plan for Christmas all year round so I don’t end up with everything to do in the space of a couple of months. This year’s Christmas is only a few weeks away now but there are always ways to save money so today I’m sharing some of my best tips! Stick to a plan At the

Should Children Be Financially Rewarded For Good Behaviour?

Collaborative post No child is the same, and that’s why it’s important to remember that different children are motivated by different things. While some may love the idea of being able to spend the money they have earned for their good behaviour on whatever they want, some children may not consider a financial reward as a prize. Children with busy parents, for example, may instead just value time spent together as a family.  When it comes to the question of whether children should be financially rewarded for good behaviour, there are many arguments for and against. Developing their skill set

The Cost Of The Summer Holidays

AD | Collaborative post With the summer holidays coming up I am personally thinking about what we might like to do and more importantly, how I am going to make our money stretch for 6 weeks. Up until now, I don’t think I really thought about how much Erin being off school for so long would affect our finances. When Erin is at nursery I know that she has a good breakfast beforehand to get her set up for the day. During the nursery day Erin has a snack in the morning, the packed lunch I send her with, and

The Start Of Erin’s Funded Childcare

The decision to send Erin to nursery at 2 was honestly a really easy one and she started just a few days after her 2nd birthday. We’d had her nursery picked out for months and at the time, we knew it was the right place for her and us. I struggle with PND and although it’s not nearly as bad as it was, I still have my moments. I needed time and space and Erin needed to be around children her own age, something that had stopped as soon as baby classes finished. Erin going to nursery was what we