“You gotta spend money to make money” a common phrase the upper class use in Wallstreet movies to defend taking huge risks that -in Hollywood- usually pay off. Not one I have ever ascribed to. You do not have to spend money to make money.
You do however sometimes have to spend money to SAVE money…. Continue reading “6 Things I’ve bought that saved me money! “
Pretty much everyone in the financial sphere has heard of Dave Ramsey and his envelope method. Basically you withdraw the amount of money that you have budgeted for each week/month in certain categories and you keep them in designated envelopes. For the rest of your money it’s out of sight, out of mind.
I tried this method but it was difficult for me to keep withdrawing amounts on time and I felt uncomfortable carrying cash everywhere with me! So instead I developed a digital compartmentalising system that works perfectly to keep my money away from me and in my savings account!
This system has helped me save thousands over the past year or so and has been key to keeping me on track with my savings goal! Continue reading “DifferentLI’s digital ‘envelope system’.”
Yup. Every single time.
So your friend asks you out to a restaurant and you’ve had a bit of an expensive week restocking toilet paper and such extravagances, how do you know if you can afford it and say yes confidently? Continue reading “Why I always spend £20 at a restaurant.”