What Is Good And Bad With A Debt Agreement

If you have experienced financial difficulties, you know that you could spend a huge amount of time on worrying while trying to deal with these situations. It often feels like you are alone and isolated and not sure which way to turn. Some companies can help you no matter what financial situation you are in, and if you are unable to get a consolidation loan, you may need to think about creating a debt agreement with your creditors. However, this solution is not always the best for everyone as there may be other methods more suited, and there are also consequences when you take out this type of loan.

What Is Good And Bad With A Debt Agreement

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Costs That Come With Married Life

Who watched the Royal Wedding? Unlike Prince Harry and Meghan Markle your wedding could take years and years of planning! But what’s next when the vows are said and the day is over? Together with Angelic Diamonds, retailers of engagement rings, we take a look at the costs that you’ll face after the wedding day, from starting a family to moving to a bigger home.

the costs associated with married life

Starting a family

For many couples, having children is the next big step after marriage. In the US, the average time a couple waits between getting married and having a baby is three years. We started just before the wedding, but at that time it wasn’t meant to be. 

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How Much Does Smoking Cost You?

The following research conducted by Nicotinell, a company which can help people when they have ambitions of quitting smoking, has provided insight on how much smoking costs across Great Britain by those who have taken up the habit…

Understanding where the research came from

The basis for the research comes from the fact that the average daily cigarette consumption for men across Great Britain sat at 12 cigarettes in 2016, according to the Adult Smoking Habits in the UK: 2016 report put together by the Office for National Statistics. This figure sat at 11 cigarettes a day for women. Over a year, these figures work out at 4,380 cigarettes for men and 4,015 cigarettes for women.

How much does smoking cost you and how much can you save?

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Ways To Save Money On Your Weekly Shop

Now I’m on maternity leave, this past week I have sat down thinking about ways to save money on your weekly shop. Maternity pay isn’t a great deal in fact it’s only £140.98 a week (as of March 2018) so when you are used to working full-time it’s a big drop in wages. In our household I mainly pay for groceries, this is an area I know we can save money on.

I have been thinking about tips on how we can slash our grocery bill each week and have come up with these top tips. I hope you find them useful to help you save money as well.

Ways to Save money on your weekly shop

Top Tips to Slash Your Weekly Shopping Bill

  • Meal Plan – This is the most important one! Before you head out the door sit down with a cup of tea and plan ahead for the week. I’m now doing this on Fridays before we go shopping on Saturdays. I also keep a check of what I’ve got in the cupboards and freezer to see what I can use up for the coming week. I have the husbands birthday coming up this week and while hunting through the cupboard I found I had all the ingredients to make a fruit birthday cake for him except the eggs. When I was working full-time, running a household with a toddler around I never had the time do meal plan as such. Therefore I always bought extra I didn’t need.

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Mother’s Day Gift Guide On A Budget

I will be starting Maternity leave in a couple of weeks and we all know that maternity pay isn’t that great. I will be thinking of ways to budget the money we have coming in and making it go that little further. That said there is always some kind of special day, birthday or holiday coming up, so making those pennies stretch further is a must.

B&M Stores gave me a challenge to go shopping in our local store to see what ideas I could come up with for Mother’s Day. I decided to have a good hunt around and see what lovely bargains I could find to use as gifts for Mother’s Day.

Mother's Day Gift Guide on a budget with B&M Stores

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Thrifty Thursday: Cashback Rewards with Checkout Smart

Welcome back to Thrifty Thursday. Last time I shared with you one of my favourite money-saving apps called Shopmium. This week I’m sharing another app called Checkout Smart. This app is all about claiming cash back on your everyday items while you are shopping. A good tip is to have the app open while you are going around the shops so you can scroll through the offers.

Some of the products are free, whereas others are money back. Checkout Smart works in a similar way to Shopmium in that you must keep the receipt and upload it to the app when you have bought the item. The excellent feature of Checkout Smart is that it has a filter option so you can select which shop or supermarket you are in and only show the relevant products to that shop.

Thrifty Thursday_ Cashback Rewards with Checkout Smart

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