Budgeting archive

In May 2012 I had my baby son and started maternity leave for the second time, knocking my family income down by over £800 per month. Surviving on Statutory Maternity Pay taught me to budget, and how to feed a family of four on only £20 a week. Nowadays I'm back to working, but still juggling the demands of two school-aged children against the reality of self-employed income.

Food, Freelancing and Brexit Shortages

One of the things I realised quite rapidly when I first started freelancing — and it’s an obvious one, really — is that you’ll have good weeks and bad weeks. I say weeks, not months, because with the up and down nature of freelance income it really can be that volatile. While everyone else is… read more →

Budgeting: The Great Big Tax Bill and Recurring Payment Hell

After the touch of reality reflected in the last post — how my over-spending and wastefulness was contributing to an unsteady financial future w/r/t buying a new house — I was already feeling a touch the poorer. So as you can imagine, when my accountant (well worth the spend) did my tax return for the… read more →

Back to Budgeting Basics

Feels like ages since I’ve talked about budgeting, and for a reason… with excess spend on frivolities, a loan to pay off two credit cards one of which I didn’t close and am steadily filling back up, an expensive honeymoon (which I barely contributed towards) back in October 2016 and the increased cost of US-based… read more →

What a day.

Gaz is away til late tonight so I have 3 options: Catch up on some more work, which I need to do. Catch up on some housework, which I should do. Have a bath and go to bed with a bottle of wine and a book, which I want to do. Unfortunately after today the… read more →

Depressing money crap

I’ve just come off the phone to my current mortgage provider. I rang up to see how much I’d likely be able to borrow if I wanted to purchase a larger house using equity in this house as a deposit. I was hoping that because of my regular overpayments to my mortgage as part of… read more →

Mortgage Free in 5 years: half of every invoice goal

Having announced my intention to return to 100% freelance from October, it might therefore be surprising to hear that I’m also going to be attempting a pretty radical goal to try and drastically increase the amount saved to use against my mortgage balance: I am going to try and put away half of every paid… read more →

Earning ‘passive’ income

I talk about passive income every now and again on my blog, so I thought I’d talk about what it means to me. What is passive income? Passive income is money I ‘earn’ without the need to specifically do anything to get it. That is, income that just drops straight into my bank or PayPal… read more →

Hoard Mode

As I woke up to another sale on my premium mail form yesterday, I felt like I’d received a fresh kick up the bum to start actively working towards my mortgage free in five years goal again. It’s not that I’ve not been working at it — all sales of the form (minus PayPal’s extortionate… read more →