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In 200 days time, on the 23rd of October, if all goes well, I will be debt free! The end is in site! #ukdebtfreecommunity #ukdebtfree #debtfreecommunity #debtisdumb #cashisking #babysteps


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it wasn’t even quilted... #stockedup


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✨ Airtime rewards ✨ It’s taken me a while to get to bloody £10 because I don’t really shop that much anymore but happy that I’ll be getting £10 off my phone bill which means it should only be £10 this month or next. 🙌🏾 Message me if you want to join I have a referral code. ✨It means we both get £0.50. Every penny counts right! 👌🏾 #debtfreecommunity #saving #debtfreeuk #housedeposit #budgeting #ukdebtfree #debtfreecommunityuk #DFC #money #girlboss #frugalliving #frugallife #housefund #mentalhealth #anxiety #PTSD #ukbugeting #budget #happylife #moneysavingtips


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I have decided to create a few goals each week to keep my mind active! 1: Workout 4x a week 2: Create my budget for April/May 3: Learn something new It’s only 3 simple things that I want to get done this week but I feel this will prevent me from being lazy. What are your goals for this week? 💕 #budgetwithme1 #goalsetting2020 #budgeting #budget #sinkingfunds #savings #savingchallenge #savingpots #debtfreecommunity #ukdebt #ukdebtfree #ukdebtfreejourney #frugal #frugalliving #frugallife #daveramseybabysteps #daveramsey #daveramseybudget #zerobasedbudget #zerobasedbudgeting


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💥☕️ Tomorrow I’ll be being interviewed by the glorious @nadinebenjaminsoprano on her Facebook LIVE (search on Facebook for Nadine Benjamin Musician). As well as being a phenomenal classical soprano and artist, Nadine is a certified high performance coach and has been mentoring me over the last year. Lucky me!😊 . 💰We’ll be talking about my journey out of debt, how I got interested in personal finance and also about some ways to cope financially through the current crisis and beyond. . 🎶Nadine is a wonderfully warm and encouraging person so hopefully, we’ll make a dream team tomorrow morning at 9am. So pour yourself a cuppa and come and join us for friendly a chat about finance 😊 . 💥Tuesday 7th April from 9am-9.30am Search ‘Nadine Benjamin Musician’ on Facebook.💥


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This new tax year sees some changes that will impact your income (or potential income) . Is this good news or bad news for you? . Follow us @skilledfunds for more


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How d’ya like my baby steps? . Don’t worry, I know that the first step is to start an emergency fund but there was no hope of me doing that with no money to spare . I like to think of my progress so far as the weaning phase. You know, that calm and expectant phase that comes right before all hell breaks loose . Doing these things helped me realise; 1. My non-existent budget was the reason I was using my almost maxed out credit cards to pay household bills 2. The total debt figure I had in my head was short by £7k 3. I was living WAY beyond my means and needed to cut back massively . Anyone else forget that they’d been paying for an annual magazine subscription (gifted to someone else) every year, for the last 6 years? . No? Ok, it’s just me . It took me a little while to get here and now that I’m on the right track, let the toy and food throwing commence 😄 . . . #debtfreecommunity #debtfreecommunityuk #ukdebtfreecommunity #ukdebt #ukdebtfree #debtfreegoals #debtfree #debtfreeuk #debt #debtfreejourney #debtfreejourneyuk #budget #budgeting #budgetplanning #expenses #expensestracker #mumonabudget #budgetmum #onabudget #money #babysteps #financialfreedom #daveramsey #nomoredebt


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It’s Monday which can only mean one thing! Money Monday! 💰 I have put £25 away this week, bringing my total to £245! I have completed 54% of my goal! Love this challenge! As always make sure you give the wonderful @lottiebudgets a follow for details on how to complete this challenge 💕 I would recommend this challenge! It’s so good and it has gone so Quickly for me as well! 💰💰 #budgetwithme1 #budgeting #budget #sinkingfunds #savings #savingschallenge #savingtowardsahousedeposit #moneymonday #debtfreecommunity #ukdebtfreecommunity #ukdebtfree #ukdebtfreedreams #debtfreegoals #daveramseybabysteps #daveramsey #daveramseybudget #zerobasedbudget #zerobasedbudgeting #frugal #frugallivingtips #frugallifestyle #frugal


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🌃Things to be happy about 🌃 I asked on my stories last night what things have happened recently that you’re happy about - swipe to see the responses ✨ I love the mix of these - big things like buying a house combined with little things like finally getting the washing out in the garden. Hearing the things that you can find joy in right now genuinely make my heart soar. They make me extra thankful and extra hopeful. Thank you 💗 My own list is humble too - after I posted the story asking for happy things I let the dog out for a wee and the moon was SO BRIGHT! I loved it. Then today, we were in the garden and our two year old was forcing my husband into his playhouse and holding him hostage. The dog was running around getting his paws all muddy. And it was just genuinely the best moment 👶🏼 . If you have something you’re happy about right now please share it below so we can all be happy for each other! 👍 . #frugalmeals #frugal #budget #budgetmeals #frugalmum #budgetmum #frugalfamily #budgetfamily #debtfreeuk #debtfree #ukdebtfree #debtfreecommunity #debtfreecommunityuk #lockdown #yum #ukdebtfreecommunity #bargain #yellowsticker #thankful #grateful


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🍪 Oat & Raisin Biscuits 🍪 . We’ve been outside nearly all day today - despite us not getting as glorious weather as the rest of you! We have still had a gorgeous day in the garden 🌱 Whilst we were in and out Mr FF made us some absolutely delicious cookies. These are great if you want to bake, want something sweet but are worried about using too much flour (it’s pretty hard to get hold of these days isn’t it?!)👨‍🍳 . In a bowl, mix: 300g oats (we bought the cheapest porridge oats) 200g raisins 170g butter 150g white sugar 160g brown sugar 150g plain flour 2 eggs 1 tsp vanilla extract 1 tsp baking soda 1 tsp cinnamon 1/2 tsp salt . Mr FF melted the butter for our biscuits to make them thinner and slightly crisp, ideal for snacking or for dunking - if you want them chunkier then not melting the butter will help with that! 🍪 Spoon out the mixture in teaspoons onto a baking tray - he used greased tin foil on ours because everything sticks to our trays! You will likely need to do several lots of cookies unless you have a commercial oven or scale down the recipe to make 8-10 biscuits. Bake for 7 minutes at 185 degrees fan assisted 🔥 . ⚠️This makes a LOT of cookies. We had over 40! ⚠️ . You could easily scale down the recipe to fit your cookie requirements. In our house these should last us until at least tomorrow 😉 #frugalmeals #frugal #budget #budgetmeals #frugalmum #budgetmum #frugalfamily #budgetfamily #debtfreeuk #debtfree #ukdebtfree #debtfreecommunity #debtfreecommunityuk #lockdown #yum #ukdebtfreecommunity #bargain #yellowsticker


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🥧Cottage Pie 🥧 This is my husbands worst nightmare of food and he actually really liked it - which is fortunate as we have another for tomorrow! This was yum comfort food and all the ingredients were things we’ve been able to get easily in the shops 🛒 The filling was: 500g of beef mince 2.5 onions 3 carrots 1 mug frozen peas 2 cloves garlic (from my freezer) 1 mug mushrooms (from my freezer) 1 leek (from my freezer) 2 beef stock cubes About 600ml of water 2 bay leaves A squizz of tomato purée I would usually only use half of this amount of mince for any meal but as it’s feeding us twice I went for it! This was enough for two pies, each serving three 👨‍👩‍👦 . I literally fried everything off and then added the stock, purée and bay leaves. Then I let that reduce while I peeled the spuds for mash. Once it was a good consistency I took it off the heat, removed the bay leaves and put it in the dishes to cool. Once the spuds were done I mashed them with milk and butter and topped the pies 👍 This is a good one for your arsenal because you can switch things out depending on what you have. Arroyo any spuds? Add carrots to your mash. No onions? Use leeks or spring onions instead. Hardly any beef stock? Use a little red wine 🍷 #frugalmeals #frugal #budget #budgetmeals #frugalmum #budgetmum #frugalfamily #budgetfamily #debtfreeuk #debtfree #ukdebtfree #debtfreecommunity #debtfreecommunityuk #lockdown #yum #ukdebtfreecommunity #bargain #yellowsticker


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I just wanted to post a little not to say ‘hey’ and tell you a little bit about how I ended up here . So this is me, a forty something mum of two trying plan my family’s way out of debt . It would be pretty accurate to say that I’ve been in some kind of debt for all of my adult life. I was so used to it that I didn’t actually think it was a problem. I honestly felt that as long as I was making all the minimum payments each month, I was good . I had credit cards, store cards, home shopping accounts and I was taking some pretty fancy holidays, all while making a less than average salary . In what felt like a split second, my life changed completely and I found myself in a pretty scary place. Unemployed, two kids under two, living miles away from anyone who could help me and trapped in a failing marriage . Because of my debt I wasn’t able to get access to a lot of the resources that would have helped improve my situation so for a long time, I was stuck. Unhappy, depressed and hopeless . Fast forward two years and things are better - not ideal but definitely better. I promised myself to never again be in a situation where my ability to make important life choices was ruled by the amount of debt I was in . So here I am, following the #debtfreecommunity and working towards this goal . . . #debtfreecommunity #debtfreecommunityuk #ukdebtfreecommunity #ukdebt #ukdebtfree #debtfreegoals #debtfree #debtfreeuk #debt #debtfreejourney #debtfreejourneyuk #budget #budgeting #budgetplanning #expenses #expensestracker #mumonabudget #budgetmum #onabudget #money #babysteps #financialfreedom #daveramsey #nomoredebt #nomoredebts


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🔵 Lockdown Blues 🔵 If you’re feeling super productive during this lockdown that’s great. But if you’re feeling a bit over it and unmotivated you don’t have to be “doing” all the time. I’m certainly not 👍 Human connection is so pivotal for us as a species. We are social creatures, even if you are introverted and feel recharged by time alone... ultimately we depend on each other. And right now we’re all likely missing a lot of the connections we usually take for granted or even complain about. So if you’re sick of baking, cooking, decluttering, cleaning, organising, diy-ing and gardening, here’s some things you can do to feel a bit more socially connected: . - FaceTime a colleague, friend, sibling or parent 📱 - Find some terrible jokes online and send them to your mates 😂 - Have sex (use protection, midwives are already working hard enough!) 💗 - Look through old photos 📷 - Open your kitchen cupboards, remove all the knives and let your toddler play with all your pots, pans, pantry items and mixing bowls. Worry about the mess later 👶🏼 - Lie on the floor with the kids drawing pictures and watching Jim Carey films. Worry about the mess later 👧🏼 - Listen to music with your teenager and take it in turns to choose the track, if you have crap snacks in then get munching! Worry about the mess later 👩🏼 . All of these are social activities, you don’t need to take control of them and best of all THEY AREN’T PRODUCTIVE! 🎉 . Have some fun 👍 #frugalmeals #frugal #budget #budgetmeals #frugalmum #budgetmum #frugalfamily #budgetfamily #debtfreeuk #debtfree #ukdebtfree #debtfreecommunity #debtfreecommunityuk #lockdown #yum #ukdebtfreecommunity #bargain #yellowsticker


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🍴Double Trouble!🍴 . Two cottage pies prepped, one for tonight and one for tomorrow! Just need finishing off in the oven 45 mins ish before we eat. We don’t usually eat much mincemeat but I’m super excited for this, it smelt amazing 🤤 . #frugalmeals #frugal #budget #budgetmeals #frugalmum #budgetmum #frugalfamily #budgetfamily #debtfreeuk #debtfree #ukdebtfree #debtfreecommunity #debtfreecommunityuk #lockdown #yum #ukdebtfreecommunity #bargain #yellowsticker


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Just remembered I bought myself these for Christmas as a treat and promptly forgot about them. Seems like an opportune moment to break out the treats especially since I'm "on holiday" next week. #debtfreeuk #ukdebtfree #debtfreejourney #debtfreedom #ukdebtfreecommunity #debtfreecommunityuk #dfcuk


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I have had a lot of new followers over the last few weeks!! So hello if your new! My name is Hannah, I am 23 years old from Bristol and I am on a budgeting and savings journey. I am saving for a house deposit with my boyfriend and I have nearly £6,000 saved so far! 💰💰 On my page I post money saving tips, meal prep ideas, budget fails and so much more 💕 So thank you for following my page! Say hello in the comments if your new to following me! 🤝 #budgetwithme1 #budget #budgeting #moneysavingtips #savings #savingmoneytips #savingtowardsahousedeposit #sinkingfunds #savingpots #newfollowers #debtfreecommunity #ukdebtfreecommunity #ukdebtfree #frugal #frugalliving #frugalfood #daveramseybabysteps #daveramsey #daveramseybudget #zerobasedbudget #zerobasedbudgeting


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It's been a while since I posted on Instagram however I've still been plugging away on paying off my debts. I checked my totals yesterday and I've finally got to the half way point on this journey. 💪 Part of me is really proud as 50% is a huge chunk of it gone and my mindset towards money and spending has really changed during this however the other part is annoyed at myself for getting into this mess in the first place. The money I've paid to debt could easily be going towards a mortgage deposit instead. Anyway, onwards and upwards - here's to the next 50%! 💷 #debtfreewannabeuk #debtfreeukcommunity #ukdebtfreecommunity #ukdebtfree #debtfreejourneyuk


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Another scheduled payment made - taking my total down a bit more 🤩 no overpayments made on this one ... my plan is to figure out what I will have left at the end of this month then make a decision based on that as to whether I over pay on a card or a save it... it’s hard to know what’s best to do at the minute 🤷🏼‍♀️


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Not a money related post, but I’m trying really hard to notice beautiful things while I’m out for my daily exercise. I loved the sky over the moors tonight. From me to you ❤️ #stayhome #stayhomeprotectthenhssavelives #dailyexercise #socialdistancing #uklockdown #ukdebtfreecommunity #ukdebtfreejourney #ukdebt #ukdebtfree #ukdebtfreedreams #debtfreein2020 #ukmoneyblog #ukmoneyblogger #ukmoneybloggers #personalfinance #moneysavvy


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I've signed up to an online course! I've decided that since I'm stuck indoors and I have annual leave to use next week I might as well sign up to do a course! I have been wanting to complete a Cemap course for a number of years now but always just put it off but now that I'm stuck indoors, I have no excuse! I have only paid for module 1 at the moment which was for £185! Best part is we had booked for my parents to go to Edinburgh this weekend and we were booked to go to Manchester next week for a couple of nights but both these plans have now been cancelled so I have just used the money saved to pay for this! I can't wait to get started on this next week! #onlinecourse #online #course #cemap #mortgage #mortgageadvisor #newchapter #newcareer #debtisdumb #debtfreecommunity #debtfreecommunityuk #debtfreeuk #debtfree #ukdebtfreecommunity #ukdebt #ukdebtfree #savings #money #cash


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To avoid unnecessary spending and waste, I always try to only pick up souvenirs that can be worn, used or eaten - like this super cute elephant soap from #thailand in January that has now been drafted into action today 🐘


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During this awful time it’s very easy loose a routine especially if your like me off work for up to 2 months! This is how I am staying motivated and productive: - Waking up at 9am everyday - Having a to do list for each day - Created a workout plan - Setting goals for each week These are simple things that I have been doing which has helped me get through the week! What about you? 🧘🏼‍♀️🏋️‍♀️ #budgetwithme1 #budgeting #budget #motivation #positivity #sinkingfunds #savingtowardsahousedeposit #savings #savingchallenge #debtfreecommunity #ukdebtfree #ukdebtfreejourney #frugal #frugallivinguk #daveramseybabysteps #daveramseybudget #zerobasedbudget #zerobasedbudgeting


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This month’s savings. The debt lump sum fund is what I’m calling my Coronavirus savings; I’m saving to be able to pay it off in one lump sum if I don’t end up needing the money for emergencies. #aprilsavings #savings #savingmoney #sinkingfund #emergencyfund #ukdebtfreecommunity #ukdebtfreejourney #ukdebt #ukdebtfree #ukdebtfreedreams #debtfreein2020 #ukmoneyblog #ukmoneyblogger #ukmoneybloggers #personalfinance #moneysavvy


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So while I’ve had some spare time I’ve calculated how much I need to save in order for me to put down a deposit and save for a house. I’ve pretty much decided that I will be moving up north when I buy a flat. I currently live on the outskirts of London in Hertfordshire and flats around here are £250k for a one bedroom 🤦🏼‍♀️ so I don’t think that’s really gonna be feasible for a solo buyer. My brother and nephews like in Northampton and my mum and Dad use to have a caravan holiday home there so we use to go every weekend and I’ve grown up there too so it’s not a strange place. A 2 bedroom flat there is £160k-£170k so a £70k difference and I could use the H2B scheme. Plus it would mean that I could be closer to my nephews and I think my mum would move up when she retires too because I know she wants to spend more time with her grandchildren. My sister (I know your probs reading this), might too but obviously she has quite a settled life down here so I could see her staying. Therefore, I’ve worked out I’d need: Deposit - £8,000 Legal fees - £1,500 One months bills - £1,000 Furniture - £1,000 (I know this is quite low but tbh I see myself buying stuff as I go more then anything). If you’ve brought a house or flat, I’d love to hear what your expenses were. I’ve done some research and this is what I’ve come up with but I’d love to hear if some of you are looking at it and being like ‘you’re totally kidding yourself hun’. I forgot to mention too, that it would be a new build for H2B so no renovation would be needed and I do have a basic emergency fund but I plan on tipping that up in small bits! #saving #savings #frugalliving #savingmoney #savemoneyandmoneywillsaveyou #blogger #blogging #ukdebtfreecommunity #financialfreedom #debtfreecommunity #finacialplanning #budgeting #debt #budget #accounts #debtfreeaf #money #frugal #savemoneylivebetter #frugalliving #personalfinance #finance #debtfreecommunityuk #moneygoals #savingmoneyuk #ukdebtfree #financialindependence #budgettips


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Just managed to do this survey on Prolific 😀 #ukdebtfreecommunity #ukdebtfree


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Cheeky check on my credit score and I like what I see. Those debt overpayments I've been making have really paid off well. I can't stress enough how important it is to have your own plan specific to your circumstances when tackling debt. If i'd had gone with the flow I'd be so much behind What I am now. What a journey this has been. Exciting early announcement in due course. #debtfreecommunity #debtfreegoals #debtfreejourney #ukdebt #ukdebtfree #ukdebtfreecommunity #ukdebtfreejourney #doingwhatsbestformyfamily ##stayingfocused #beingaleadernotafollower #beingaleader #overpaydebt #debtoverpayment


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I was speaking to Tom at @payplanofficial recently about changing up the information I was planning on bringing you regarding Payplan and their services. 🤔 These are difficult times. These are uncertain times. 😥 But what’s absolute certain is the fact that payplan are consistent in their help. 😍 They’ve set up a designated help section on their website specifically for Coronavirus. 🤗 You don’t have to do this alone. You don’t have to worry about your debt or finances. 😧 PayPlan are here to help you. 🙌🏻 Visit PayPlan at www.payplan.com to find out more. 💰 #debtfreecommunity #debtfreejourney #debtfree #debtfreegoals #covid19 #pandemic #coronavirus #ukdebtfree #debtfreejourneyuk #moneysavinguk #ukfrugal #uksavingmoney #daveramseyuk #ukmoneybloggers #debtfreeuk #sidehustleuk #debthelp #financialfreedom #moneymatters #moneytips #sheworkshardsavingmoney #savings #santander #saving #budget #ynabcommunity #zerobasedbudget #frugal #financialfeminist #voxpopme


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Hey, it’s Friday again! ...and we’re working hard to get back to your emails 📩 ✨ thank you to everyone who is being so patient with us while we take a bit longer to respond. These past weeks have been very busy for our support team, but we’re doing everything we can to get back to you. 😺


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Passportservice its here to assist you get your USA,UK,Canada Passport,ID card,Drivers License etc #ukmoneybloggers #ukmoneysaving #ukmoney #ukdebt #ukdebtfree #ukdebtfreejourney #ukdebtfreecommunity #makingmoney #makingmoneyonline #sidehustle #paidsurveys #surveyapps #paidsurveyapps #ebayseller #matchedbetting #receiptapps #cashback#ukmoney Whatsapp ##: +1 (502) 230 -7063


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A few days late but here we are - April.goals tweaked a bit to be relevant to current situation. I've gone for a bit more challenging goals on the wealth/financial side - as I've got no PT / transport / eating out costs in April so I aim tonoay off more debt. Health goals are more modest - I need to sort out space in my flat so I can do toga/stretching so that's a task for this weekend and I need to.find my fitbit charger! Happiness also tweaked a bit - on lock down I can make more time for catchup viewing of TV and films as well as finally sorting out my clothes. #debtfreeuk #ukdebtfree #debtfreedom #dfcuk #debtfreejourney #ukdebtfreecommunity #debtfreecommunityuk #aprilgoals


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It’s Friday which means it’s time to add more money to my 1p challenge pot. I have added £14.98 which brings my total to £236.77! 💰 This pot is getting bigger every week and I love it! I have 21 weeks left of this challenge 👍 #budgetwithme1 #budgeting #budget #savingtowardsahousedeposit #savings #savingmoney #savingschallenge #sinkingfunds #debtfreecommunity #ukdebtfree #debtfreejourney #debtfreegoals #daveramseybabysteps #daveramsey #daveramseybudget #zerobasedbudget #zerobasedbudgeting #frugal #frugalliving #frugallife


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🥡 Fakeaway Chinese 🥡 Last night for dinner we also had our favourite Chinese fakeaway! I’ll link the recipe post in my stories. We subbed fresh lime for bottled lime juice and used a handful of peppers I chopped up and froze last week. You don’t need a ton of fresh stuff or odd things for this recipe! Take a look, it was AMAZING and definitely filled our urge for a takeaway 🤤 #frugalmeals #frugal #budget #budgetmeals #frugalmum #budgetmum #frugalfamily #budgetfamily #debtfreeuk #debtfree #ukdebtfree #debtfreecommunity #debtfreecommunityuk #lockdown #yum #ukdebtfreecommunity #bargain #yellowsticker


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This is a breakdown of my debt from when I first started to now. Taking a step back and looking at where I was at the start of my journey and where I am now. I can see the difference I have made and I couldn’t be happier. Now if only it could have been savings instead of debt 😂 This hasn’t been easy as some months have been hard and I had to use use credit cards to get by. I have actually been in debt for 9 years I only did something about 3 years ago and look what I managed to achieve. I can’t wait to be debt free. 💪😊 #lookingbackmovingforward #ukdebtfreecommunity #debtfreecommunity #ukdebtfreejourney #debtfreejourney #debtfreeuk #ukdebtfree #debt #goodbyedebt #financialfreedom #debtfreegoals #debtfreedom #debtfreewannabe #debtfreeliving #debtsnowball #debt #debtisdumb #financialfreedom #discoverunder10k #financialfreedomstartshere #getoutofdebt #credit #savingmoney #moneysavingexpert


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🎂Happy Birthday Grandma 🎂 If you’re a relatively new follower you might not know this but my mum lives with us! She moved in about a month ago to help us with our second baby (who could be born any minute!) 👶🏼 . She lives in the loft bedroom. It’s a decent sized room but not huge - which works fine for her as she’s a pretty hardcore minimalist. Yesterday was her birthday! 🎉 As we are all on lockdown, we couldn’t take her for an outing. But she did spend a chunk of her time in her pjs, we played in the garden and my husband made her this sponge cake which we had one of earlier in the week and she loved too much not to make again. Even Vinnie got into the birthday spirit 🥳 If you’re celebrating a birthday in lockdown this year, what will your plans be? 🍰 #frugalmeals #frugal #budget #budgetmeals #frugalmum #budgetmum #frugalfamily #budgetfamily #debtfreeuk #debtfree #ukdebtfree #debtfreecommunity #debtfreecommunityuk #birthday #lockdown #homemadecake #victoriasponge #yum #ukdebtfreecommunity #bargain #yellowsticker


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Client Mistakes: Thinking Index/ mutual funds are ‘low risk’ & ‘diversified’⠀ ⠀ You’ve probably heard of this before: ⠀ ⠀ ‘Buy the dip’, ‘Index funds are diversified and safe’, ‘index funds have low costs’, ‘index funds will go up long term’, ‘I’m betting on America’, ‘individual stocks are too risky!’.⠀ ⠀ What if I told you this is mostly BS?⠀ ⠀ The 2020 crash has clearly exposed these lies. ⠀ Let’s compare how index funds perform against individual stocks? (Check images)⠀ ⠀ You get outperformance + less risk from individual stocks in the short and long term.⠀ If you averaged into the index fund over the last 5 years, you would only break even/ lost money. ⠀ ⠀ What do you want to do for the next 5 years? ⠀ Index funds may have low costs but they give low returns and have higher risk. We all hear the common investing advice.⠀ ⠀ ‘Just buy the index fund every month and you can retire in 30 years.’⠀ Have you ever looked into the companies inside these index/ mutual funds? Do you even know what you are buying?⠀ ⠀ Let me give you some perspective.⠀ ⠀ The 2008 crisis was caused by investors piling into ‘diversified’ real estate products because they were ‘safe’ and can ‘only go up long term’. ⠀ ⠀ Yeah, ‘diversified’ with garbage...⠀ Nobody ever looked into what was inside these products, so people pile into junk just because of herding mentality.⠀ ⠀ Index funds will not serve you in helping you retire before your boss. They have high risk & low returns. ⠀ They are used by lazy people who clearly aren’t motivated to retire before their boss. ⠀ ⠀ If you want to learn how we help millennials in 9-5 jobs RETIRE before their boss by investing successfully in 2020-2027's stocks bull market...⠀ ⠀ Grab our free ‘Retire before your Boss’ blueprint in the link in our bio!⠀ ⠀ Inaction and ignorance will cost you more than you can imagine.⠀


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April debt update! Its been a funny few weeks with a lot of uncertainty with what is happening around the world but I have managed to stay on track with my debt journey! From this month I will be trying to pay my mam back the money she borrowed me as she said she will need this by the end of the year so that means the overpayment for the mortgage will stop for a bit! I am so proud of how much I have overpaid in such a small amount off time and I am extremely happy about this! Just motivates me to carry on doing this once we have paid back my mam! 💪🏼💪🏼💪🏼 #debtupdate #debt #april #strangetimes #debtisdumb #debtfreecommunity #debtfreecommunityuk #debtfreeuk #debtfree #ukdebtfreecommunity #ukdebt #ukdebtfree #savings #money #cash


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This isn’t bad! I don’t imagine it will be as high this month, as I’ve hardly any receipts, for obvious reasons, but I’ll keep plugging away at it. This month’s side hustles are going into topping up the Christmas sinking fund that I had to dip into last month and is now quite far behind where it should be. #sidehustle #makingmoneyonline #paidsurveys #receiptapps #cashback #makingextramoney #ukdebtfreecommunity #ukdebtfreejourney #ukdebt #ukdebtfree #ukdebtfreedreams #debtfreein2020 #ukmoneyblog #ukmoneyblogger #ukmoneybloggers #personalfinance #moneysavvy


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✨ April Goals ✨⁣⁣ ⁣⁣ 💰 £100 extra income - Receipt scanning, surveys etc.⁣⁣⁣⁣⁣ ⁣⁣⁣ 🏋️‍♀️ 15 workouts - Managed 12 in March so upping for April.⁣⁣⁣⁣⁣ ⁣⁣⁣ 💪 2.5lbs weight loss ⁣ ⁣ 🍪 No biscuits - My working from home nemesis.⁣ ⁣⁣⁣ 🥂 No alcohol - Continuing dry 2020.⁣


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So I'm a little late to the Airtime Rewards party but have joined now and well on my way to my first £10. My referral code is below on the off chance there's someone out there who hasn't yet joined! #apps #debtfreeuk #ukdebtfree #debtfreejourney #debtfeedom #ukdebtfreecommunity #debrfreecommunityuk #dfcuk


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😷 DIY Mask 😷 If my husband had come to me three months ago and asked me to make him a mask to go shopping in, I’d have thought he was mental. But when he asked me on Wednesday I was like “yeah, that’s fine”👍 I’m not going to talk about the pros and cons of wearing a mask when getting the shopping. It’s a personal choice and it’s up to you to say up the pros and cons💗 I had a look at a few videos online and found the simplest ones I could and combined them. You don’t need a sewing machine for this, it takes less than 90 minutes and it’s just using crap you have lying around 👍 I found an old 100% cotton T-shirt and cut three rough rectangles out at about 10 by 7 inches. After I’d done them super wonky my mum suggested I use chalk as I couldn’t mark the black fabric. It was a bit late then 😂 your mask will look neater if you draw the rectangles out instead of just winging it 🦢 I stitched around the edge of the three rectangles stacked on top of each other. If you want the seams on the inside you can leave a bit of it and turn it inside out and then finish stitching up. I’ve got mine on the outside. This is handy because I know if it comes undone I can just quickly stitch it back together as the stitches are visible. I put the two pleats in and pinned it. I only needed one pin at each end of each pleat. Then I stitched up the edge of both pleats on each side 🧵 I placed my straps after the rest was finished as I knew they would likely need adjusting and messing with. I chose to come diagonally outwards from all four corners. Other plans had them coming vertically up and down from the corner or coming horizontally from the pleats. My straps were made from a strip of ribbon I had lying around from a gift bag. You can use anything you like, if you have elastic you could do loops to go around the ears instead of straps that need tying. Shoe laces would work👍 This isn’t the prettiest mask on Instagram, it’s not the best sewn and it’s not the smartest design but it takes no time, it’s made entirely from scrap and it’ll make my husband feel safer venturing out. It’s also totally safe for older kids to make. Are you taking on any “corona crafts” this week? 🦠


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Same? 🐅 Some good news! ✨👏 Today the Financial Conduct Authority has told banks that they must allow three-month payment freezes on credit card and loan fees to those facing financial hardship because of coronavirus. . They’ve also said that customers with existing arranged overdrafts should NOT be charged interest on the first £500, for up to 3 months. The changes are expected to come into force by Thursday 9th April👍 . Struggling to keep up with payments now? Contact your lender ASAP, they can give you breathing space and set you up with arrangements like a mortgage/council tax holiday. . Alice x . . . . . . .#financialfitness#coronavirusuk #covid19 #selfisolation #savingmoney #personalfinance #savingmoney#wealthmanagement #financememes #savingmoney #moneymemes #moneytips #debtfreejourney #debtfreegoals #ukdebtfreecommunity #ukdebtfree#debtfreeliving #wealthbuilding#wealthmanagement#moneysavingtips


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This morning I’ve had an overwhelming amount of anxiety literally go though me. Looking at peoples stories of employers not paying them for all of March when Corona was nowhere at this level, people being put on furlough, people losing there jobs and not being able to pay there rent or mortgage scares me so much. 😔It had made me realise how dam blessed I am right now. My sister who is 22 has just been told she will be getting furlough now from 1st April and she’s fine with that as she doesn’t have any outgoings. My mum and I can cover anything if we need too but at that age I honestly wouldn’t have coped. Even now everyday I think WTH if this happened to me now what would I do!!! 😔 Everyday I realise how blessed I am and I’m so thankful and grateful words can’t even express my gratitude 🧘🏾‍♀️that I can still pay my bills, put money to debt, save or even treat myself. ✨ Thank you God. 🙏🏾 #debtfreecommunity #saving #debtfreeuk #housedeposit #budgeting #ukdebtfree #debtfreecommunityuk #DFC #money #girlboss #frugalliving #frugallife #housefund #mentalhealth #anxiety #PTSD #ukbugeting #budget #happylife #moneysavingtips


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I use excel to track my side hustle earnings. I find this a really easy way to visualise my earnings look at how good my month has been, as you can see February was my best month! How do you track your side hustle earnings? 💰 #budgetwithme1 #budgeting #budget #savingtowardsahousedeposit #savings #savingschallenge #savingsgoals #savingstracker #sinkingfunds #debtfreecommunity #ukdebtfreecommunity #ukdebt #ukdebtfree #frugal #frugalliving #frigallife #daveramseybabysteps #daveramsey #daveramseybudget #zerobasedbudget #zerobasedbudgeting


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I have managed to pay £702 to debt this month as I’ve been working from home I have saved money of petrol and food which I have made good use off and paid to debt. Next month won’t be as much as I will be topping up my sinking funds as I have car insurance to pay. #payingoffdebt #ukdebtfreecommunity #debtfreecommunity #ukdebtfreejourney #debtfreejourney #debtfreeuk #ukdebtfree #debt #goodbyedebt #financialfreedom #debtfreegoals #debtfreedom #debtfreewannabe #debtfreeliving #debtsnowball #debt #debtisdumb #financialfreedom #discoverunder10k #financialfreedomstartshere #getoutofdebt #credit #savingmoney #moneysavingexpert


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🍕Pizzaaaaaa! 🍕 We had our favourite homemade pizzas for dinner tonight! They were soooo good 🤤 I’ve put the link to the recipe on my stories, it’s from a post about a week ago because we are addicted to pizza 👍 #frugalmeals #frugal #budget #budgetmeals #frugalmum #budgetmum #frugalfamily #budgetfamily #debtfreeuk #debtfree #ukdebtfree #debtfreecommunity #debtfreecommunityuk #ukdebtfreecommunity #bargain #yellowsticker


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I’m sorry I’ve been so quiet, I’ve not known what to say in these scary/lonely times - sending you all love though 💗 Nice start to April today with this payment from Serpclix! If you’d like to be referred to Serpclix give me a shout. It’s really straight forward.... you install a plugin to Firefox on your computer and then it will ask you to search for certain key words on Google and click on a highlighted website... you can then get on with whatever else you were doing, it takes seconds! I can DM you a referral if you’re interested. #ukdebtfreejourney #ukdebtfree #debtfreeuk #dfc #debtfreecommunity #debtfreecommunityuk


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Yesterday was pay day and my first set of strike deductions which will be paid over three months. I feel lucky that I changed jobs into a better-paid role in October, and so losing 5 days of pay only puts me back to my old salary. Nevertheless, it was a bit painful to see! Hope you’re all well on the first day of this new month - better weather is around the corner. #ukdebtfreecommunity #ukdebtfreejourney #ukdebt #ukdebtfree #ukdebtfreedreams #debtfreein2020 #ukmoneyblog #ukmoneyblogger #ukmoneybloggers #personalfinance #moneysavvy #strikepay #strikedeductions #budgeting #budget


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I woke up this morning and closed my budget for March. I realised I need some normalcy, everything is different and today I kind of hit that imaginary wall! - So I decided I need to set myself goals, these really do help me to stay motivated. You help to keep me accountable! - So my first goal is to save as much as I can in the next few weeks/months. I haven’t set an actually amount because while I know my childcare and petrol spending will decrease. I also know that my food and utilities such as gas/electric could increase. - Now from what I’ve seen today, everyone has said how their food budget pretty much went out of the window in March. Mine did too! I overspent by about £100 in March which was due to low stock of my normal items. I then had to spend more on other brands to have items I needed. - I’m hoping this has calmed down a little but if I do go over budget I’m not going to beat myself up! - I want to really enjoy this time with my son, I doubt we will ever get time together like this again. I don’t want my fears, anxiety and stress to take away from some quality time together! - Be as frugal as possible - this means Zero food waste, putting on a jumper before the heating, being inventive with meal plans ect. Just really pulling back on everyday things to try and get through this time. - What are your goals for April? Have you made any big budget changes?


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One good thing about not working and being in lockdown is I have only spent £6 since payday! And that £6 was on Disney plus! I am saving so much money!💪 The money I have left in my @monzo account will be put into my Christmas and holiday fund! Me and my boyfriend were meant to go on holiday in June but that obviously isn’t happening. So hoping to go away later on in the year! How is your spending going? 💰 #budgetwithme1 #budgeting #budget #sinkingfunds #savingtowardsahousedeposit #savings #savingchallenge #savinggoals #debtfreecommunity #ukdebtfreecommunity #ukdebtfree #debtfree #debtsnowball #daveramseybabysteps #daveramsey #daveramseybudget #zerobasedbudget #zerobasedbudgeting #frugal #frugalliving #frugallife


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My payment has come through from my work in Ireland. This isn’t profit because I had to pay out costs for the trip and I’m still having ongoing arguments with booking.com so I can’t figure that out yet 🤦🏻‍♀️. I’m a bit edgy about paying off any debt right now because of that-which-must-not-be-named so I’ve stashed it in a savings account and will add to it during ~the situation~. At this rate I may be able to pay off my debt and buy three houses before this is over. 😂 #dfcuk #ukdebtfreecommunity #ukdebtfree #debtfreecommunity #debtfreejourney #debtfreegoals #debtsnowball #debtisdumb #creditcarddebt #daveramseybudget #daveramseyplan #daveramseycommunity #daveramseywouldbeproud


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So March goals were a bit of a mixed bag! Did well on the wealth ones except for 3 - have side hustled a bit but I'm going to let them all rollover and cash out end of April. The bank review appt was cancelled because it was supposed to be last week. And I just haven't had time to look at matched betting or casino offers. Health was a bit of a disaster. I managed 4 PT sessions before everything closed, kept up with meal planning and managed the docs appt/blood tests. As for the rest? Whoops. Happiness again overestimated what I could do! I've watched a lot of TV (while doing other things), have been down to the allotment way more than 2 days and for rod of more than 100 things (hardly made a dent on what I have). Did 1 fun thing with friends, and because Flare was cancelled have seen no films. Need to revise goals to be more realistic for April! #debtfreeuk #ukdebtfree #debtfreejourney #debtfreedom #debtfreecommunityuk #ukdebtfreecommunity #goals #Marchgoals


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Now I am down to over half way on my debt, thought I would use a chart from @debtfreecharts . Such a motivator to see the numbers go down and hoping to get just under £5k this month! If I carry on paying what I am now, plus £400 a month extra I will be debt free by December 2020. #ukdebtfreecommunity #ukdebtfree #debtfreecommunity #debtfreejourney #payingoffdebts #payingoffcreditcards #motivation #moneygoals2020 #debtfreedecember2020 #debtfreecharts #debtfreetarget #debtfreedom #debtfreedom2020


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Net worth has gone up a bit - a combination of debt reduction and minor adjustment to value of my flat. Though but looks good on paper hardly ANY of this is ready cash. The bulk of it is from the flat I live in, a half share of the cottage in Wales, my pensions and other assets (how much my stuff would be if I sold it all). But I guess it's worth keeping an eye on! #debtfreeuk #ukdebtfree #debtfreejourney #debtfreedom #debtfreecommunityuk #ukdebtfreecommunity #networth


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This is the right time to invest since Covid 19 (Corona Virus) is spreading over the world,No more gathering,No one going to work anymore,So this is time for you to invest now and get alot of profit, So inbox me on how to invest right now 👇👇👇. @fx_miranda . . . #investinyourself #savingmoney#personalfinance #savingmoney#wealthmanagement #property #houebuying #financememes #moneymemes#studentmemes #millennialmemes#moneytips #debtfreejourney #debtfreegoals #ukdebtfreecommunity #ukdebtfree#debtfreeliving #wealthbuilding#wealthmanagement#moneysavingtips#financialpeace #financialfitness #personalfinance #moneymoves #moneytips #financialtherapy#moneymatters#moneymanagement #moneygoals


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Since Friday I’ve been working from home. I’m a primary school teacher and I’m on a rota of when I’m in to look after children of key workers. We’ve been given jobs, training and online contact to do at home but my goodness it’s different! Each day I’ve been emailing the children, sending them virtual stickers, setting them work, completing CPD and I’m even completing new medium term plans for next academic year. I miss my class so much 😢 Writing to do lists has been such a must. I’m setting myself 8 tasks a day - 4/5 work related, 1 reading, 1/2 housework and 1 health related. Each day I’m motivated to complete it and it’s working really well ☺️ I’ve seen quite a few posts of people that have been put into furlough and just want to say, if you need someone to chat to, my DMs are always open ❤️ #furlough #covid19 #workingfromhome #timemanagement #debtfreecommunity #ukdebtfreecommunity #ukdebtfree #financialfreedom #teacher #isolation #babysteps #daveramseybabysteps #bs3 #training


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This savings account is great for low income savers! Max you can put in is £50 a month and you earn a 50% bonus at 2 and 4 years! Great little incentive to squirrel 🐿 a little money away for a long term goal. #longtemgoal #babysteps #ukdebtfree #everylittlebithelps #savethepennies #rainydayfund #helptosave


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So it’s April and with it brings a new tax year. With that in mind I thought I’d share my system for upcoming budgeting and tracking for the next twelve months. NOTEBOOK & PEN For income budgeting and recording spends CASH ENVELOPE WALLET For sinking funds GOOGLE SHEETS For recording income and expenses at week end A4 SIZE FOLDER For storing essential documents Do you have a system? #debtfreecommunity #debtfreecommunityuk #ukdebtfreecommunity #cashenvelopesystem #budgeting #budgettracker #ukdebtfree #budgetplanner


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