How To Live A Full Life On An Empty Wallet

How live a full life on an empty wallet | Budget | budgeting | finances | tight budget | strict budget | simple pleasures

Whether you’ve debts to pay or a big savings goal to reach, being on a strict budget means making sacrifices. But that’s hard when it seems like all your friends are going out without you and splashing the cash. Meanwhile, you’re turning down invitations and opportunities because your budget just won’t stretch that far. You can’t even remember the last time you treated yourself to something nice. But before you go throwing in the towel and splurging what little you have left to try cheer yourself up (and then ending up feeling worse), there is a way to live a … Onwards! ->

12 Ways to Stop Making Impulse Purchases For Good

12 ways to stop impulse purchases for good. Sick of impulsive buys? Here's how to curb your spending so you can save money and have a less cluttered home

If you’re wasting money on things you don’t really want or need, or wondering where all your wages went this week, you may be falling fowl of impulse purchases. They’re tricky beasts that leave your home cluttered, your wallet empty, and your brain going into full-on buyer’s remorse mode. To take control of your spending, save money, and stop you wondering why on earth you bought yet another novelty item, you’ll find 12 helpful hints below to curb your impulsive buys once and for all. Onwards! -> Onwards! ->

How To Save Money On Your Electricity Bill

How to save money on your electricity bill. Reduce pollution

{ This is Part Two of my  ‘How To Save Money…’ series. Look out for Part Three soon, which will be  ‘How To Save Money On Grocery Shopping’ and, if there’s something else you’d like to see covered, please let me know in the comments. } Unless you’re a very lucky duck indeed (or a total sponger) you’ll have an electricity bill. (The perils of growing up and being all responsible an’ shit, eh?) It’s a sad fact that most people don’t really understand how electricity works or how bills are calculated, myself included, so I wanted to share what little I … Onwards! ->

How To Save Money (Without Depriving Yourself): My Top 2 Tips

How to save money. Midi-dress.

Compared to most people, I probably spend very little. I don’t smoke or drink alcohol (a relatively rare thing for an Irish person) and I use hardly any skincare, cosmetic, or bath products (a relatively rare thing for a woman). My expenses are few and my frivolous spending, while not non-existent (damn you, stationery supplies), is infrequent. Now I’m not for a second suggesting you give up your bath bombs and your take-away curries, but I am encouraging you to think a little more carefully about your purchases. Over the years, I’ve managed to save myself a lot of money … Onwards! ->

Back to School — How to Save Money (& Headaches)

{ This is Part One of a ‘How To Save Money…’ series I’m starting. Look out for Part Two soon, which will be ‘How To Save Money On Your Electricity Bill’ and, if there’s something else you’d like to see covered, please let me know in the comments. } Sadly, there’s no such thing as a free education these days. ‘Back to school’ time is increasingly costly and puts a huge financial strain on families. With that in mind, I thought I’d round up some money- and sanity-saving tips to take some of the sting out of this time of … Onwards! ->

How To Make Your Budget Accurate & Effective

A basic budget is important for any household that isn’t rolling in more money than sense. I recently shared a quick guide to how I do it but I thought today I would share a bit more information to help you become financially frugal. After all, drawing up a budget is, in itself, easy enough. But how do you arrive at the total spend figures for each category without having to resort to guesswork? There’s no point allocating €50 for groceries if you’re currently spending €200. The answer is tracking. You have to track your income and expenditure for a … Onwards! ->

‘No Spend’ — What It Is & How I Do It

  Some of you may have seen in my monthly tracker post and in my planner set-up video that I participated in a ‘no spend’ challenge. I know a lot of people are confused as to what it is and how it works, so I thought a quick post might clear things up. The basic premise is that you don’t spend money for a set amount of time (usually a month). It’s a great idea if you’re trying to save/get out of debt/curb your spending. Or if you’re a total control freak like me who just wants to know where all those … Onwards! ->

Basic Budgeting — The “How To GYST” Beginners Guide

  Our topic for today is basic budgeting. I’ll preface it by saying that my husband and I are (thankfully) not struggling financially. Having said that, we’re not exactly minted either (so no need to send threatening letters or requests for donations). With that in mind, I hope everyone can benefit from what works for me. My husband tends to be a bit of a spendthrift so we’ll just go right ahead and ignore him. I, on the other hand, am much more frugally minded and can be a bit of a scrimper and saver, even when times aren’t tight. … Onwards! ->