Author: Hayley

It’s my favourite time of the month again as I get to report back on how the hubby and I have been getting on with repaying our debts. We haven’t paid as much off this month as we did in the last two months, but we’re feeling really positive about our progress because at the end of the day, it’s going the right way! During the month of September, we paid £872.50 off our total debts. This includes our minimum payments and an extra payment onto my credit card. I did however get charged interest this month on my credit…

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Happy Friday! 🙂 Hope you’re all looking forward to the weekend? It’s been a pretty good week for me. Things have settled down after the excitement of my daughter’s birthday party and I’ve enjoyed catching up with my favourite personal finance blogs! This week, I had a slight technical issue with my blog for the first time – sorry if anybody noticed! On Wednesday, I tried to log into my site to finish editing my latest article. But I couldn’t access it! An error message flagged up to say that I’d run out of bandwidth. I don’t know how long…

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I’ve been in debt now for 14 years. The reason why I’m still in debt after all this time is because quite simply, I gave in to debt time and time again. I was in the middle of a cycle of debt. I paid off debt and then I spent again on my credit cards. I repeated this process several times. It was a vicious circle of spending and paying off, yet never achieving debt freedom (heaven in my mind right now). Something often cropped up out of the blue that I would have to pay for like a car…

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This month, I’ve managed to salvage another £40 to £50 from our shopping budget. Yay! This budget had already been reduced in January from £400 to around £250 per month, but now our shopping bill per month going forwards will be in the region of £200. This includes food, toiletries and cleaning products etc. The saving as you’ve probably guessed from the title of this post is… wine. I’ve mentioned before that we don’t really go out much these days because the cost of a babysitter is astronomical and drinks/food on top of that cost would totally blow our budget…

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Thanks to everyone who gave me some feedback this week on what makes a well designed blog. Your comments have all really helped me to tweak the design I’ve already got in place to make it work a bit better! The consensus overall was that a clean and uncluttered design works well, with plenty of white space. A common theme throughout the answers was that the size of the font on this blog was a little too small, so I’ve rectified that now along with adding a custom header. Hope you like the changes! I did have my eye on…

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