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
  • Budgeting

    How To Take Control Of Your Business Finances

    08/04/2021 /

    It doesn’t matter what industry you’re in or what you do, as a business owner, you must find ways to manage your finances better. Use the following tips to help you gain better control over your finances so you can get and stay ahead. You want to be in the know about your financial situation and not have to worry about any unexpected issues popping up. You’ll sleep better at night when you take the following steps to ensure you’re in control of your business finances and doing what you need to do to succeed. Educate Yourself & Get Organised Read books about personal and business finance to take control…

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    Nicola 0 Comments

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  • Interiors,  Saving Money

    4 Ways to Keep Your Home Warm on a Budget

    07/04/2021 /

    If you want to lead a safe, comfortable, and healthy lifestyle, you need to keep your home warm. Unfortunately, performing this crucial task is always going to come at a price. Heating isn’t free, which means that you will have to shell out cash on your boiler bill from time to time. Keeping yourself and your family warm need not necessarily be an expensive endeavour, though. There are a whole host of cost-effective routes that you can take in your attempt to heat your home, four of which include: Take advantage of your curtains If you use them correctly, your curtains can end up playing a key role in your…

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    Nicola 0 Comments

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    My Wish List for our New Kitchen Extension

    05/10/2020

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    22/10/2020

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    27/11/2020
  • Saving Money

    QVC Refer a Friend Code: Save £10 off Your First Order

    06/04/2021 /

    Looking for a QVC Refer a Friend code? Click here to save a whopping £10 off your first order over £25. I love shopping with QVC, particularly for beauty products and gadgets – they always have such good deals. Want to save even more money when shopping with QVC? On top of using the QVC Refer a Friend code, you can also take advantage of the fact that QVC are on Topcashback – see this post for more information on TCB. At the time of writing there was 8% cashback available for new customers – not too shabby!

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    Nicola 0 Comments

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  • Budgeting

    How to Achieve Financial Freedom by the End of the Year

    30/03/2021 /

    Financial freedom may well sound like a nice theory. At the end of the day though, it’s more than possible for anyone to achieve. If you are ready to take that next step, then the only thing that you need to do is take a look below. Understand your Position Right Now You cannot achieve financial freedom if you have absolutely no idea where you are starting. You need to look at how much debt you have, and you also need to look at your savings too. This can be a depressing reality, but at the end of the day, it’s a vital step if you want to get on…

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    Nicola 0 Comments

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  • Budgeting

    Unexpected Ways to Lower Your Monthly Expenditures

    01/03/2021 /

    We are all trying to have a better handle on our finances, and that can be overwhelming sometimes. Dealing with unexpected expenses, reworking a budget, or improving a credit score can all seem complicated and will be different for each person. Sometimes we may need to adjust our budget to lower our expenses each month. Here are some unexpected ways that you can make that happen to open up some money for other things that may be happening in your life. Review Your Budget Before you can lower your monthly budget, you need to have a good idea of where you stand. Understanding what your net income is, what you…

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  • Budgeting

    How Your Budget Changes After Kids

    01/02/2021 /

    Having children is a blessing, but it’s not always a blessing for your bank account. More children equals more money to spend every month on clothes for a growing child, their food, their medical needs – the list goes on. Understanding what changes in your finances is so important because as much as your world will change when your baby comes along, your finances will change, too. You may be planning for things like diapers and formula if not breastfeeding, but you should also be planning for a myriad of other costs that will need proper planning before your baby arrives. Debt is not the ideal thing to be in…

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    Nicola 0 Comments

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    How To Take Control Of Your Business Finances

    08/04/2021

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  • Budgeting

    How To Have A Bright Financial Future

    30/12/2020 /

    Struggling to make ends meet is a challenging way to live. It may cause you frustration and put additional stress and strain on your marriage and family. The good news is that there are steps you can take to ensure a bright financial future. Now is the time to turn bad habits around and make changes that will have a positive impact on your life and the days ahead. Learn from your mistakes and let your past guide you to making better choices going forward. You’ll look back and wonder why you didn’t start sooner once you see for yourself all the rewards that come from taking these steps. Set…

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    Nicola 0 Comments

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  • Saving Money

    Why Is It Important To Save Money?

    01/12/2020 /

    We all know we should save money where we can; it’s an idea that is ingrained in us, and although it’s hard, it’s certainly something we should try to do more of (and there are many ways to do it, as you can see from the useful information on this site).  The problem is, even when you have saved money, the temptation is always there to spend it. You might not spend it all at once, but nibbling away at your savings can be just as detrimental, especially if you’re not keeping an eye on things and you spend more than you thought you had.  It becomes much easier to…

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    Saving Money

    Look Fantastic referral code – get £5 off your first order

    31/10/2020 /

    Looking for a Look Fantastic referral code? Simply input NICOLA-RI38 on the registration page and you will receive £5 off your first order over £25. Or click here to begin the registration process if you haven’t already done so. Tip: copy and paste the code – that’s a capital ‘i’ after the R, not a lower case ‘L’. After signing up using the above Look Fantastic referral code, make sure that you do the following as well to ensure you are paying the lowest price when you place your order: Go through Topcashback to get cashback on your purchase (read my Topcashback review here if you don’t know how cashback…

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    MyBag referral code – get £10 off your first order

    31/10/2020 /

    Looking for a MyBag referral code? Simply input NICOLA-RFN on the registration page and you will receive £10 off your first order over £50. Or click here to begin the registration process if you haven’t already done so. After signing up using the above MyBag referral code, make sure that you do the following as well to ensure you are paying the lowest price when you place your order: Go through Topcashback to get cashback on your purchase (read my Topcashback review here if you don’t know how cashback sites work). Don’t forget to scroll down to the bottom of the page to see if there are any additional voucher codes…

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Welcome

Hi, I’m Nicola and I’m a former accountant, now stay-at-home mum to Lauren (5) 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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