Your Money
Saving and Budgeting Tips

Your money and how you use it will have a huge impact on your overall happiness. After all no one can be happy with big debts hanging over them all the time, plus no one likes to live worrying about paying for bills.

The strange thing is though, people don't really like to talk about their money situation, but if we all shared our experiences with money and how each of us manage our budget plan every month surely we would all benefit in the long run.

So lets talk about some of the major money issues in all our lives and how by making a few important decisions early on we can avoid those debt pitfalls you keep hearing about and live happier lives.

Frugal living has made my life happier and perhaps it can do the same for you.

Each of these sections about your money will be discussed in more detail on their own page.

Budgeting Your Money

More Budgeting Tips

Insurance Advice

Credit Card Advice

More credit Card Advice

Your Savings

Financial Planning -
Your Future

Budget Planning

Dealing With Debt

Debt Crisis

Home Buying -
Your Budget

Hidden Costs of
Home Buying

Retirement -
Planning For The Future

Avoid Financial Scams

More Financial Scams

Home Working

ID Theft

Guide To IVA's

Taking Control of Your Money the Frugal Way

Budgeting your money is probably the single most important and hardest thing to do for most people. It also seems a little dull to have to spend time working out what you can spend your money on all the time.

But without doing this we can get ourselves in to some serious situations and it's amazing just how quickly this can happen.

We will try and make it as simple as possible for you to get to grips with your monthly budget planning using a few easy steps, after all we are not financial gurus we are just like you and have had to work out our own budget plan. I don't do complicated.


Life is full of unexpected incidents that if not protected against can be devastating and very expensive.

You know the old saying "it's better to be safe than sorry" well this still rings true today and by making sure that we have put in place some insurance policies we will not be at the mercy of any nasty surprises.

Choosing the right insurance's for your needs and your money budget is essential as not all insurance policies are necessary and you could end up paying out far more than you need to.

Credit Cards

Oh how these little bits of plastic can control you if you're not careful. Handy but deadly I found and in fact I didn't succumb to having a credit card for a very long time.

However with my frugal head on, I have managed to be the master of my credit card. We talk about how to be the master of yours and also what pitfalls there are to watch out for when choosing a credit card. If you're good with your money and just use it for convenience, a cash back card might be a good option, but it's always important to evaluate the terms of a card carefully before applying. I have also learned not to use them for paying off debt and now have a much happier relationship with my little bit of plastic.

Protecting your credit cards and money from con men and not being scammedshould also be high on your frugal living plan.

This may sound obvious but many of my very intelligent and Internet savvy friends have fallen prey to several scams and lost quite a bit of money.

So make sure that you are always constantly aware of what is happening to your money and if something sounds too good to be true then it probably isn't true. Getting into debt crisis is something we all need to avoid at all costs.


Homeworking has become and is becoming more and more popular and people want more freedom in their lives to not only earn a living but to also spend more time with their families.

It is something that not all are suited to and can be a very scary prospect to those who have always had a nine to five job. But for those who crave the freedom and who have the confidence and self-discipline to work for themselves from home, it can be a very rewarding experience.


Some might say that it is a luxury to have savings. Well a few years ago I would have agreed, but now I realise just what a god send it is to be able to have that cushion behind you, never mind how big or small it is.

We look at some of the simpler ways to save money and what are the best options for your money. One of my first decisions when I first started frugal living was to put money aside whenever I could and it really has made a huge difference to my life.

The Future

There are a few things in life that come along but once, like weddings and graduations but often we don't give them a second thought until they are upon us and then we may end up having to take out expensive loans to pay for them.

This is not a great way to celebrate, so be prepared and be ready for anything that life throws at you. Here we give you a heads up to some of the major life events to help with your frugal financial plan.

Id Theft

ID theft is on the increase and can leave you with years of bad credit and worry. Protecting yourself from having your identity stolen is relatively easy with just a little forward thinking. A little time spent now thinking about your ID protection, will save you hours of trouble later on.

Home Buying

Buying your own property is something that a lot of us aspire to, however it seems to be getting harder and harder to get your first foot on the property ladder.

However as long as you can avoid a lot of the property pitfalls from the beginning, you do stand more of a chance of being able to manage your finances to be able to plan for and afford a mortgage. Home buyingneed not be out of reach to those of us on a frugal budget.

Debt management

Well no money section would be complete without looking at debt and how to cope with it. There are not many of us who can say that we don't have some debt, it is sometimes just unavoidable. But again if we manage debt properly we can be in control and reduce its long-term effects on our wallets.


It comes around so quickly that it can be upon us before we are financially ready. We are also now living longer lives and so now the money that we put aside for ourretirements has to stretch much further.

However by putting a frugal retirement plan into action early on, we are assuring that we will be prepared for our old age and will be able to enjoy it knowing that we have not wasted any money throughout our lives and can now reap the benefits from our frugal living plans.

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