I received an email the other day from CESI Debt Solutions, asking me to answer a few questions about my frugal journey. They had already did a story called 42 Money Lessons from 19 Very Frugal Bloggers that was picked up by Time.com and now they want to expand it to encompass 100 bloggers. So [...]
A few weeks ago, in the post I wrote about emergency funds, I ask how much does a person without a car and full insured by the State need. I concluded that in my life not that much could really go wrong besides my cats getting ill so I put aside £100. Not the best [...]
After all the holiday excess, most of us decide to lose some weight or to start exercising more, but this year the most popular resolution seems to be to get out of debt. For many of us, last year was not the best financially, actually for some it might have been the worst financial year [...]
Dave Ramsey says (yes I am mentioning him again) that the first of his Baby Steps is to have an emergency fund of $1,000 before you start to pay off your debts. I was thinking that since I live in the UK, I should just convert it to £1,000 then I got thinking. How [...]
This is my first official week of not working, yes it is not the happiest of situations but here at The Lean Times, we persevere. So in the tradition of Dave Ramsey, we are going bonkers for beans this week. I started our bonkers for beans week with making Slow Cooker Black Beans. After the huge [...]
There are all sorts of frugal rules when you are working to get out of debt – make a budget, don’t eat in restaurants, don’t go to the shops to browse, stick to the list when food shopping, don’t buy anything unless it is a necessity, to name just a few. – I try to [...]
No, budget fun is not an oxymoron. I am talking about budgeting for your fun. Being on a budget can seem a bit dreary, especially if you have a deep hole to dig yourself out of, but if you make sure you keep yourself happy in small ways you will find being on a budget [...]
Get it Done November has gotten off to a good start – I have listed 10 items on eBay and have been chosen to do a well paid market research panel in the first week. My goal is to make an additional £700 this month. I have one creditor that has changed the rules again [...]
The regular readers of this blog know I am hyper actively working on reducing my debt and in doing that I some times get over zealous. Whenever I have a bit of money that has not been allocated to a specific expenditure, I throw it at one of my debts. The problem is, I have [...]
I must admit I am addicted to the financial evangelist Dave Ramsey, his tagline is “Where debt is dumb, cash is king, and where the paid off home mortgage has taken the place of the BMW as the status symbol of choice” How cool is that? I have been looking at my fellow UK based [...]
This is a quote from the wonderful Dave Ramsey’s Podcast. It is his suggestion to anyone that has debt, to eat rice and beans, beans and rice and get a second job. I can’t help you with the second job but I can tell you that rice and bean are one of the most versatile, [...]