Mum on a Budget

Live well, spend less, earn more

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  • 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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  • 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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    How to Cut Your Budget to the Bare Minimum

    09/04/2020

    Budget Not Adding Up? Here Are Your Options

    14/06/2019

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    16/03/2019
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    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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    Nicola 0 Comments

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    How to Achieve Financial Freedom by the End of the Year

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    12/11/2018

    How Your Budget Changes After Kids

    01/02/2021
  • 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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    Simple Ways to Break the Cycle of Debt

    12/11/2018

    Budget Not Adding Up? Here Are Your Options

    14/06/2019

    How to Achieve Financial Freedom by the End of the Year

    30/03/2021
  • 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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    5 Tips to Boost Your Financial Health

    22/10/2020

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    09/04/2020

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    01/02/2021
  • Budgeting

    5 Tips to Boost Your Financial Health

    22/10/2020 /

    Most of us like the idea of improving our finances, but how do we know where to start? From debt reduction to side hustles and savings, let’s take a look at a few options. 1. Rework The Budget To boost your financial health, it’s useful to rework your budget every once in a while. Your budget should involve several categories, from your mortgage to your utilities and food expenses. You should assess where any cuts can be made and figure out how you can save more money. Whether it’s switching energy providers or purchasing less luxury items, budgeting is the key to financial success. Financial applications such as Albert or…

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    11/05/2020

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  • Budgeting

    When Is It Okay To Borrow Money?

    11/05/2020 /

    We might be amid a lockdown, but that doesn’t mean that opportunities to make money have disappeared entirely. In fact, with the economy shifting in a new direction, this is the perfect time for people with cash to start investing in new projects and ideas. Even as old companies fail, new businesses with pop up, and the country will continue to move forward.  These opportunities bring up an important subject – that of borrowing.  Using credit from direct lenders has become commonplace in our society, but when should you do it? When does it make sense to take out a loan?  When You Need Something For Work When you think…

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    Nicola 0 Comments

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    5 Tips to Boost Your Financial Health

    22/10/2020

    Why credit cards can be a GOOD thing (a collaborative post with Carina Advisors)

    02/03/2020

    Important Steps You Must Take To Improve Your Family’s Finances

    26/06/2019
  • Budgeting

    How to Cut Your Budget to the Bare Minimum

    09/04/2020 /

    In the current uncertain environment, many of us are rightly looking for ways to reduce our expenditure right back to the bare minimum. For some of us, money has stopped coming in or has been greatly reduced. Meanwhile, expenses carry on as normal. It is terrifying the speed with which savings can shrink, if you are lucky enough to have savings. Here are some tips on slashing your outgoings as far back as possible: Start with household bills For many of us out greatest outgoings will be repayments on our houses and cars, If you are currently in a financial pickle, take advantage of mortgage or other debt holidays –…

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    Nicola 1 Comment

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    The Future of Your Family’s Finances

    15/11/2018

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  • Budgeting

    Why credit cards can be a GOOD thing (a collaborative post with Carina Advisors)

    02/03/2020 /

    We hear it all the time – debt is bad, avoid debt at all costs. Often, people are terrified to even take out a credit card, fearing that it will start them on a slippery slope to financial ruin. I have had credit cards since I was 18 and I must confess, in my younger years I was irresponsible with them, barely managing to make the minimum payment each month whilst my balance grew higher and higher. Even though I had only accrued less than £1,000 of debt, my credit card bill felt like a chain around my neck. I educated myself and realised that I needed to clear my…

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    Nicola 0 Comments

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    Dealing With Unhealthy Debt: The Dos And Don’ts

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  • Budgeting

    How To Spread The Cost Of Large Expenditures

    06/01/2020 /

    Large expenditures are something that you need to prepare for throughout your life because you’re likely to have one or two of them. Being able to manage these costs takes a little practice, and the ability to look after your money wisely. So here are some tips to spread the cost of large expenditures more easily. Budget Your Money Better Your money is important to the household because as you grow it, you become more responsible not only for yourself but for other people too. With that in mind, you want to ensure that you’ve always got a steady income of money coming in. When a big expenditure comes along,…

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    Nicola 0 Comments

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    My Money New Year Resolutions for 2019

    03/01/2019

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    21/12/2018
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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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