Mum on a Budget

Live well, spend less, earn more

  • Spend Less
    • Budgeting
    • FM Fragrances
      • Fragrance List
  • Earn More
    • Making Money
    • Investing
  • Lifestyle
    • Parenting
    • Home & Garden
      • Interiors
      • Garden
      • Decluttering / Minimalism
      • Moving Home
      • Buying a home
    • Food & Drink
    • Fashion
    • Dating
    • Driving
    • Travel
      • UK
    • Pets
    • Wellbeing
      • Mental Health
      • Self Care
      • Weight Loss
      • Health
    • Celebrations
      • Birthdays
      • Christmas
      • Weddings
      • Mothers Day
  • Blogging
    • Competitions
  • Work With Me
  • About Me
  • Spend Less
    • Budgeting
    • FM Fragrances
      • Fragrance List
  • Earn More
    • Making Money
    • Investing
  • Lifestyle
    • Parenting
    • Home & Garden
      • Interiors
      • Garden
      • Decluttering / Minimalism
      • Moving Home
      • Buying a home
    • Food & Drink
    • Fashion
    • Dating
    • Driving
    • Travel
      • UK
    • Pets
    • Wellbeing
      • Mental Health
      • Self Care
      • Weight Loss
      • Health
    • Celebrations
      • Birthdays
      • Christmas
      • Weddings
      • Mothers Day
  • Blogging
    • Competitions
  • Work With Me
  • About Me
  • Investing

    A Guide To Letting Out A Property

    24/02/2021 /

    If you like the idea of becoming a landlord and renting out a property you own, you’re not alone; it’s a dream that many people have, and because it’s a relatively easy sector to get into – as long as you have the money – it’s something that a lot of people have chosen to do (especially as the UK rental sector is said to be growing and by 2030 two thirds of people will be living in rented accommodation).  However, just because you can do it doesn’t necessarily mean you should – there is a lot to think about first. Here is a guide to help you decide whether…

    read more
    Nicola 0 Comments

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    Investing

    Alternatives to Trading 212: similar commission-free trading platforms

    04/02/2021 /

    You may be aware that at the time of writing (February 2021), Trading 212 are currently closed to new accounts. As such, you may be on the lookout for another trading platform that allows you to trade commission-free. Here are a couple of Trading 212 alternatives: Trading 212 alternative #1: Freetrade Awarded best online trading app two years in a row, Freetrade allows you to invest in stocks and ETFs commission-free. If you sign up via this link you will receive a free share worth up to £200. Read more about Freetrade here. Trading 212 alternative #2: Stake Stake allows UK users to directly invest in over 3800 US stocks…

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    Should You Worry About Currency Risk When Investing?

    26/11/2020 /

    A lot of people these days use investment platforms to build their wealth. And that’s a good thing. We always want to expand the capital-owning class. It makes for a much more stable world.  But these platforms offer a heck of a lot of choices. You can buy pretty much any instrument you want in the world with the push of a button. And that means that you’re sometimes buying assets that are not denominated in your home currency. Is that a problem?  Imagine you live in the UK but want to buy an ETF based in the US. When you hop onto one of these platforms to do so,…

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    Nicola 0 Comments

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    Freetrade Free Share – get a Free Share worth up to £200

    09/11/2020
    alternatives to trading 212

    Alternatives to Trading 212: similar commission-free trading platforms

    04/02/2021
  • man getting a freetrade free share
    Investing

    Freetrade Free Share – get a Free Share worth up to £200

    09/11/2020 /

    Click here to get your Freetrade free share Freetrade is a trading app that is offering new customers a free share, worth between £3 and £200. Simply click this link and enter your email address. You will then be prompted to download the Freetrade app. Simply then sign in, deposit £1 and complete the W-8BEN form as prompted. You will then receive your free share in 7-10 days (although typically I’ve found it’s faster than that). What is Freetrade? Freetrade is a commission-free trading app. Having had more than 100k downloads in the UK, it’s hugely popular. It is fully authorised and regulated in the UK by the Financial Conduct…

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    Nicola 2 Comments

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  • main in suit receiving his free share after using a trading 212 promo code
    Investing

    Trading 212 Promo Code (3wfKM5w): get a free share worth up to £100

    29/09/2020 /

    Update February 2021: Trading212 are currently not accepting new customers whilst they upgrade their server capacity. Please enter your email below and I will email you as soon as they are taking on new customers – by doing so you will be able to benefit from a free share via my Trading 212 promo code when they re-open. Please click here if you are interested in finding out about alternatives to Trading 212 i.e. other fee-free trading apps where you also get a free share upon signing up. Looking for a Trading 212 Promo Code? Are you looking for a Trading 212 promo code in order to get a free…

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    Investing

    Stake Referral Code (UK): Claim a Free Share in Nike, GoPro or Dropbox

    13/06/2020 /

    Are you looking for a Stake referral code? Click this link, fund your account (£50) within 24 hours and spin the wheel to receive a free share worth up to £80 (at the time of writing). You may have come here via my Trading212 promo code page – great news, I have found another trading platform called Stake that also dishes out a free share once you sign up, read on to find out more about the Stake referral code: Stake is a trading platform that allows UK investors to invest in US stocks, commission-free. Upon signing up and depositing £50 you will receive a free share in one of…

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    Nicola 2 Comments

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  • Investing

    How To Transfer Money From UK To Australia

    12/06/2020 /

    Our relationship with Australia is one that stretches back centuries. Ever since James Cook dropped anchor at Botany Bay, the UK has had a close connection with our Down Under cousins. Even today, the flag of Australia still bears the Union Jack. Strong familial ties exist between our two nations, and often, our youth go on multi-year backpacking adventures in Oz.  From a business perspective, the UK is Australia’s fifth-largest trading partner. Goods and services worth billions of GBP move to/from Australia annually. Every day, we send millions of pounds to Australia. However, some of us spend more than we should in fees.  How can we send payments Down Under…

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    Financial Tips You Need to Make the Most of in 2020

    11/06/2020 /

    Getting a handle on your money is so important, and this is something that you need to make the most of this year. There are a lot of costs that people have to cover in their lives, and it is vital that you look at doing as much as you can to help make the most of this. Make sure you do as much as possible to look for the best ways of saving money, making money, and planning for your financial future.  You have so many different elements to keep in mind here, and there are loads of wonderful things to keep in mind. If you can use some…

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    3 Real Life Situations Where Your Credit Score Really Matters

    25/03/2020 /

    Your credit score is a measure of how responsible you are with your money and how likely you are to pay your debts. It can have a huge impact on so many different areas of your financial life, but a lot of people don’t realise just how important it is. Even though they have a general sense that they need to improve their score, they think that it’s something that they can put off because it doesn’t have a direct impact on their life right now. However, there are plenty of real world situations where having a bad credit score or no credit score at all could really hurt your…

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  • Budgeting,  Investing

    Ten Things Everyone Should Be Doing To Maintain a Healthy Credit Score

    01/10/2019 /

    There comes a time in most people’s lives when it is time to apply for a mortgage – and by that point, its too late to do much to quickly remedy your credit score if it’s too low to secure a loan. That’s why it’s important to practice good financial habits throughout your adult life so that when it’s time to buy a house, your credit score doesn’t let you down. Use a credit card little and often Using credit regularly and responsibly is the key to building your credit score. It goes without saying, but set up a direct debit each month to pay off the balance in full,…

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Welcome

Hi, I’m Nicola and I’m a former accountant, now stay-at-home mum to Lauren (4) and Lewis (3). My passion is saving money and making money and – most of all –  helping others to do so too.

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