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 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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    01/02/2021

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

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    The Benefits In Our Bank Account: What Are Our Options When We’re Really Running Out Of Money?

    21/12/2018
  • save money on escape rooms
    Saving Money

    Save Money on Escape Rooms

    11/12/2019 /

    I hope you have found this blog post because you are looking to save money on escape rooms – well, you’re in luck. Escape rooms have massively taken off as a fun activity to do in the last few years. Perfect for team building, a quirky date idea or just a way to have fun with friends. In case you don’t know what an escape room is, here is Wikipedia’s definition: An escape room, also known as an escape game, is a game in which a team of players cooperatively discover clues, solve puzzles, and accomplish tasks in one or more rooms in order to progress and accomplish a specific goal in a…

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    Nicola 1 Comment

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    Saving Money

    Build an Emergency Fund of £1,000 in Just Six Months

    10/12/2019 /

    As careful as you may be with your outgoings, life doesn’t always go to plan. A car breakdown, a washing machine repair… sometimes large unexpected expenses can pop up out of nowhere. When this happens and you suddenly have to fork out hundreds of pounds, how does this make you feel? If you have no savings, it can be catastrophic. In these circumstances, you could of course apply for an online line of credit such as with Polar Credit who offer fast and reliable credit – you can apply online and there are no early repayment fees which is great if you can pay your loan off faster than anticipated.…

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  • Making Money

    Topcashback review… how I’ve earned over £1,700

    05/12/2019 /

    Topcashback came onto my radar in 2013 and once I started using it, I have never looked back. I remember being cynical at the start as it seems too good to be true. But I am here to tell you that 6 years later, there have been no catches or downsides, only lots of extra cash in my bank account. You will see from the image above how much I have made over the years – over £1,700 and counting. All earned just by adding one extra click whilst doing online shopping for goods and services. Here’s my Topcashback review: How it works Sign up to Topcashback (100% free and…

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    Nicola 0 Comments

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  • Christmas

    Christmas Gift Ideas for 4 Year Olds with Etsy

    05/12/2019 /

    All links in this post are affiliate links which mean I earn a small percentage of any sales made at no extra cost to you, the reader I have written lots of times in the past about my love for Etsy – in fact, I even have my own shop there. More and more I am making a real effort to shop small. I know myself the thrill whenever someone places an order with me, and I love the idea of giving someone else that thrill too. My daughter is now 4 and I am am trying to move away from buying everything from Amazon. So here are a few…

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  • Competitions

    UK Money Bloggers Festive Giveaway

    01/12/2019 /

    Who doesn’t love a hamper at this time of year? In fact, not just any hamper, a Marks and Spencers hamper? Either to keep for yourself or to gift to a loved one. If you’re a hamper lover like me, I’ve got some very exciting news for you today… I’m delighted to announce that I have teamed up with some fellow bloggers to offer you an amazing prize – actually, not just one prize, there are eight M&S Christmas hampers up for grabs. All you have to do is scroll down to the bottom of this page and follow the Rafflecopter instructions. You can enter right up until the 14th…

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    Nicola 3 Comments

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  • Pets

    How to Have a Happy Dog

    27/11/2019 /

    A dog can bring a lot of joy to humans, and, as such, it’s only fair that we ensure that they’re happy. The good news about this is that it’s not an impossible task – indeed, it’s the easiest thing in the world. If you’re committed to making it happen, then you’ll find that your dog is happy. They reflect whatever is fed into them, after all. A dog that seems aggressive just learned the behaviour from their owners; it’s a bit like humans in that regard. So how can you make sure that your dog is happy? We take a look at a few ways how below.  All In…

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    Nicola 0 Comments
  • Christmas

    10 Ways to Have a Frugal Christmas

    26/11/2019 /

    The last few months have been very expensive (a new boiler being only one of many huge unexpected expenses) and we have found ourselves in the position where our savings have been depleted and our credit card debt has risen. As such, we are looking to be even more thrifty this year and have a frugal Christmas. Here are some things we will be doing to cut our spending this year compared to previous years: Secret Santa We have agreed with some of our family that we will do Secret Santa gifts for the grown ups, that means that each adult is responsible for buying only one gift, with a…

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    Nicola 1 Comment

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    12/07/2018
  • Christmas

    Celebrate Baby’s First Christmas… on a Budget

    25/11/2019 /

    Christmas is such an exciting time, especially when it’s your first one as a parent. When you are looking at how to celebrate baby’s first Christmas, it’s easy to get carried away by the pressure to spend spend spend, especially in this era of social media where sometimes it can feel like everyone apart from you has taken their child to an expensive Breakfast with Santa, put together pricey personalised Christmas Eve boxes or even jetted off to Lapland! If you are as lucky as we are, relatives will love to spoil your child with gifts so I always try as a parent to focus more on making things special,…

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    Nicola 0 Comments

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  • Parenting

    Why You Should Start Saving Now For Your Little Ones Education

    19/11/2019 /

    In a world that is becoming ever more complicated, one of the most important things you can provide to your little ones nowadays is the very best opportunities in their education. Education today is so much more than it once was, and it’s imperative to shaping the future of your children. Today we are going to look at why now is the best time to start saving for your little one’s education and just how much it can benefit them. Student Loans May Not Always Be Around With the current state of society today and with Brexit looming, our children’s future is more uncertain than ever before.  With all of…

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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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