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How To Manage Debts And Other Financial Emergencies Strategically

October 31, 2018

This is a guest post by Patricia Sanders.   Debts can create havoc in your financial life; even a little bit of debt is as harmful as venom. You have to keep up your debt payments, otherwise, your credit score will suffer.   On the other hand, if you have a large amount of debt, you have to work more hard to pay off them. Don’t panic, the task of managing debts is not as daunting as you think.   By following proper strategies, you can manage your current debts and also avoid further debts. Ways to manage your existing debts strategically 1. Create a monthly budget to set aside more money The very first thing that you should do to get out of debt is budgeting. It will help you determine your affordability. To set a budget, you will have to list all of your income and expenditures and then…

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Things You Buy Your Kids That I Don’t!

October 29, 2018

When it comes to saving money and living a frugal lifestyle my children are not exempt.  Although much of what we are doing in terms of looking after our money is for the benefit of our children, we do feel it necessary to spend excessively on them.   My husband and I have made huge changes in our lives to give our children the best start including both working part time.  To do this we need to be careful with our money and we are constantly looking for ways to save money.   Plus, children do not need lots of money spent on them.  Yes, there are things that they need but these can be bought at a reasonable price.  For young children what they want is largely time with people that care about them, plenty of food, practical clothes and time outside.  Once I figured this out being a…

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19 Must Haves For An Eco-Friendly Bathroom

October 25, 2018

As I write this we are currently having one of the mildest autumns ever.  Many are rejoicing in this fact, but for me I find it concerning.  It is a reminder of the scale of the human impact on our planet and reminds me that I must continue to find ways to bring our planet back to good health.  That’s why I am sharing with you my must-haves for an eco-friendly bathroom. Safety Razor I love my safety razor so much that I wrote a whole post about it.  Therefore, it is definitely worthy of its place at the top of this list.  As both a money saver and a planet saver a is a simple switch.  It replaces those plastic disposable razors with a metal version.  They are available in an array of sizes and styles, giving you plenty of options.  You then replace the blades when they become…

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13 UK Money Bloggers Talk Extreme Frugal Living

October 17, 2018

A couple of months ago I wrote a post about four extreme frugal living steps I had taken and asked my readers if they would dare to go as far.  With a change to my working hours having an impact on my budget, it got me wondering if I could go further.  Were there frugal steps that I hadn’t thought about?  What more could I do?   That’s when I thought about asking my fellow money bloggers.  They regularly write about saving money and the steps they’ve taken in the past to achieve big financial goals or just survive.  So here they are 13 of the UK’s best money bloggers tell me the most extreme steps they’ve taken to save or make money. Can’t read it now?  Pin for later!   Extreme Frugal Living in 2019 Laura at Savings 4 Savvy Mums says: “We’ve turned the heating off in January and…

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How Working Part Time Could Make You Better Off

October 10, 2018

This month is my first month as a part time working mum.  After my maternity leave ended I decided to that going back full time (like I did after I had my first) was just not going to work for me this time.  Therefore I did was I always do in these situations and crunched the numbers.  The result was that with both my husband and I working part time we would only be about £100 per month worse off than with just me working full time.  I was more than happy with that.  Thus, I became part time teacher and part time stay at home mum.   Although, I had scrutinised our income, making sure that I knew exactly how much we had coming in.  I had neglected to look as carefully at our outgoings.  Not only that but I hadn’t looked at the other opportunities that would open…

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Looking After Your Pennies is an eco-friendly personal finance blog written and managed by Charlotte Jessop.


I write on a variety of topics including frugal lifestyle, eco-friendly living, money making ideas and generally how to make your money go further.

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