I Have Wombled over £2000 This Year

I have ‘wombled’ over £2000 this year. Now, I bet you are thinking ‘What is wombling?’ ‘What do you mean?’ ‘Is wombling some sort of weird British sex game?’ Ha ha…no. You may have heard of a lovable British children’s book series and later a television show called The Wombles. The Wombles were little furry, pointy […]

A review of this week

I’m bending the rules a bit here as there have actually been 8 days of the year so far, but I thought I would do a little review of where I stand statistics wise, and Sundays always feel like a nice day for reflection. NO SPEND DAYS (NSDs) = 3 SPENDING FOOD/HOUSEHOLD Tissues £0.80 Milk £1 Bread £0.50 […]

Adventures Close to Home

I have finally learned how to shop well. All because I nearly undid my 6 days of good work. I was food shopping, just a few essentials, when I went into Iceland (cheapest place for frozen veg based on price per gram-I work this stuff out) and saw a shelf full of Wok’s. I could […]

I started off with the best of intentions, honest! (Also NSD # 3)

When I acquired my first ‘didn’t belong to a bank I was with’ credit card it was honestly with the best of intentions. I have spent most of my employment history on a zero hour contract basis. A zero hour contract is basically a contract where I would be employed by a company on an […]

NSD #1

I am pleased to report that today was a ‘No Spend Day’ (NSD) meaning so far this year 1/3 of the days have not involved any money leaving my wallet. Yes the year is only three days old but I will take victories where I can. In December I think the weight of 2016 had […]

The Truth about Debt

Let me tell you the main thing about getting into debt. Getting into debt is super easy. Think about it, it’s managing your money that is hard. Making all those decisions, putting things back if you can’t afford them, saving up for things, that’s the hard stuff. But if you have had at some point […]

A Fresh Start

It has been a while since I last posted, and I guess it’s time to come clean. Through a combination of bad/casual/infrequent employment over the years since graduating, and also a result of ‘being a twat’ with money, I have rocked up nearly 6K of credit card and overdraft debt. This is in addition to […]