Our finances can be a big topic of conversation. Whether it is couples looking to save for their first home or a wedding. Maybe it is a family looking to upgrade their homes or book a big holiday. There are always reasons for increasing your savings, but the hard thing is actually saving money.
Last year we achieved more than I thought we would. Not only did we manage to carpet the whole living room/ dining room AND overhaul the back of the garden but we also managed to book an expensive holiday and pay off some debts. Going forward, and looking into this year, it’s time to start to think about our new savings goals for the year. Lists are always a good way to go, as are vision boards if you really want to see your goals in front of you. New windows I think all of
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
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