Is It Possible To Be Too Frugal?

Every month when I get paid I settle down to crunch the previous month’s numbers and plan for the next. Over the years that I’ve been doing it the process has got easier and quicker, but there are still a few surprises here and there. Take groceries as an example. I consider myself pretty frugal, and[…]

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Should You Let Other People Pay Off Your Debt For You?

It should come as no surprise that getting out of debt is hard work. It takes effort and self discipline to live on a budget and spend your disposable income on debt repayments. Depending on the size of your debt, and the interest rate you’re paying, it can take years to become debt free. Most[…]

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How To Pay Off Debt Fast

Being in debt sucks. But working to get out of debt is just as bad. Some might argue it’s actually worse seeing as you’ll likely spend more money on debt repayments when you’re trying to get out of debt than when you’re just cruising along accepting your debt. After all, the only way to pay off debt[…]

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9 Stupid Ways That People Waste Money (Are You Guilty?)

There are few people who would deny that money can buy you freedom. The more passive income you have thanks to investments and savings, the less you need to worry about working for “the man” and the more options open up for you. More money, in general, is a good thing and I don’t think[…]

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5 Ways To Stop Snails Destroying Your Vegetables

There’s nothing more depressing than investing time and energy into growing your own vegetables, only to have them destroyed by slugs and snails. This is the reason, no doubt, why so many gardeners rely on slug pellets to kill off the little blighters before they obliterate your garden. That’s all well and good, but it’s[…]

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4 Actions You Should Take Today To Make Next Christmas A Breeze

For many people, January is a difficult month. It’s the month when many of us are recovering from a “spending hangover”. Your current account may be at an all-time annual low. Your credit card might be quite the opposite. For many people, making it through January is a struggle. And its all down to the[…]

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Need Emergency Cash? 5 Better Alternatives To Payday Loans

There’s no two ways about it; payday loans are a stupid idea for all but the most self-disciplined individual. With their ridiculous interest rates – often topping 1000% – relying on payday loans can, in my opinion, actually lead to more financial problems than they actually solve. Yes, you might get hold of the money[…]

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How To Get Over Your Fear Of Debt

Debt can be a scary subject. I know this from first hand experience. Shortly after leaving university I found myself not only harboring some serious student loans but also more than my fair share of credit card debt. Debt, incidentally, that I was struggling to keep up payments on with my meager graduate salary. Debt[…]

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Jobs That Give Free Rent

If you’re like most people then keeping a roof over your head is one of your biggest monthly expenses. Depending on where you live and the property you live in, your rent or mortgage could amount to 40% or even more of your monthly expenses. Ouch! But imagine just for a minute what it would[…]

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Top 10 Frugal & Cheap Hobbies

One of the true joys of frugality is reducing your expenses to the point that you can work less. After all, we can all earn more (or less) money, but we can’t create more time. In many ways, having plenty of free time is the ultimate luxury, but there’s a potential problem. Our hobbies and[…]

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6 Easy Ways To Make Money Online

One of the most pervading dreams to be able to make easy money on the internet. Sadly, as any failed blogger or internet marketer will tell you, making money online is nowhere near as easy as the gurus with their shiny courses and expensive software will try to convince you. Making a sizable income online[…]

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9 Secret Ways To Save Money On Dry Cleaning

There’s no two ways about it; dry cleaning is expensive. Luckily though, there are all sorts of creative ways to save money on your dry cleaning bill. You see – what you may not know about me is that I spent two years running a dry cleaners not so long ago. That meant I was[…]

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Frugal Living Tips: October 2014 Edition

October is only just beginning and I’m already excited. How come? Firstly, last month was an expensive one. What with two major birthdays (my sister and my girlfriend) and my old laptop giving up on life I’ve spent far more this month than I wanted. I’m also still waiting for that tax money that I mentioned some[…]

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How To Save Money On Magazines

I’ve always had a love/hate relationship with magazines. On the one hand I find myself constantly drawn to their shiny covers and tempting headines. On the other hand I know magazines are a massive luxury. They’re incredibly expensive for what they are, they’re full of adverts trying to sell you more products and there’s so[…]

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