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How to save £12,000 in a year (while renting)

How to save £12,000 in a year (while renting)featured

As regular readers of Can’t Swing a Cat will probably know, in October 2015 I managed to reach my goal of saving £10,000 in the space of a year. It was a great achievement and one that I’m incredibly proud of but there was a catch… I’ve been living with my parents. Although I’ve been Read more

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8 Things I Learnt By Tracking Everything I Bought In A Month

8 Things I Learnt By Tracking Everything I Bought In A Monthfeatured

In April I set myself the challenge of writing down everything I spent my money on. You can read all about my Everything I Buy April challenge here.  It was hard work but it really helped me determine how reckless I was being with my spending. As my mum would probably say, so much of my Read more

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The Realisation I Don’t Actually Have To Get Married Has Made Me Feel £20,000 Richer

The Realisation I Don’t Actually Have To Get Married Has Made Me Feel £20,000 Richerfeatured

Ever since I was a child I always assumed I’d get married one day. I never put too much thought into it, I just always assumed I’d get a good job, buy a big house, get married, have kids, and live the perfect life. Thankfully, Jake and I are in agreement that we’d like to spend Read more

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How To Get Your Financial Shit Together In Your Twenties

How To Get Your Financial Shit Together In Your Twentiesfeatured

With our Instagram feeds urging us to ‘live life to the full’ and the tattoos on our friends’ wrists demanding we ‘carpe diem’, we’re constantly being told to focus on the present moment rather than worry about the future. But could this YOLO attitude to money be damaging in the long run? As important as Read more

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Santander Drops Its Help to Buy ISA Interest Rate To 2%

Santander Drops Its Help to Buy ISA Interest Rate To 2%featured

Santander has slashed the interest rate on its Help to Buy ISA from 4% down to 2% for new customers. The change comes just weeks after Halifax reduced its interest rates in a similar fashion. Santander 123 and Santander Select customers are able to access a slightly higher interest rate of 2.5% when they open a Help Read more

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Halifax Cuts Interest Rate On Help to Buy ISA from 4% to 2.5%

Halifax Cuts Interest Rate On Help to Buy ISA from 4% to 2.5%featured

Halifax has slashed the interest rate of its Help to Buy ISA from 4% to just 2.5% for new customers. Existing customers who already have a Help to Buy ISA with Halifax will be unaffected by the change and will continue to earn the higher interest rate. If you’ve not already got a Help to Buy ISA but you’ve Read more

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May Money Horoscope: Is Your Financial Future Written In The Stars?

May Money Horoscope: Is Your Financial Future Written In The Stars?featured

Whether you want to be a millionaire, save for a house or climb out of debt, could it be that your financial future is written in the stars? Well, you’re about to find out because Mystic Jen is here to read your horoscope. Are you destined for great things this month? Capricorn Be careful not Read more

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Joint Bank Accounts & Shared Finances: 19 People Share What Works For Them

Joint Bank Accounts & Shared Finances: 19 People Share What Works For Themfeatured

Jake and I are hoping to move in together in the next few months and when we’re not drooling over overpriced rental properties on Zoopla or trying to decide between a furnished or unfurnished flat, we’re discussing our finances. It’s not uncommon for couples to open joint bank accounts when they move in together in Read more

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6 Inspiring Money Lessons Women Can Take From Beyoncé’s Lemonade

6 Inspiring Money Lessons Women Can Take From Beyoncé’s Lemonadefeatured

Whether she’s singing “depend on no one else to give you what you want” or pointing out how ridiculous it is that women are taught to “shrink themselves and make themselves smaller”, Beyoncé’s been telling us to be independent women with strong finances since way back in the 90s. And with the release of her new visual album, Lemonade, comes Read more

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Onedox App: Save Time and Money on Your Household Bills

Onedox App: Save Time and Money on Your Household Billsfeatured

One of the most effective ways of saving money month-on-month involves monitoring utility, phone and broadband providers to ensure you’re not paying more for the necessities than necessary. There’s just one problem – comparing prices can be ridiculously time consuming and switching when you find a better deal can seem like a daunting task. Thankfully, Read more

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Need Another Direct Debit For Your Bank Account? This Could Be Your Cheapest Option

Need Another Direct Debit For Your Bank Account? This Could Be Your Cheapest Optionfeatured

It’s becoming increasingly common for sensible savers to open multiple bank accounts so they can make the most of savings interest. In fact, some people go as far as having the following accounts at any one time: Santander 123 Club Lloyds Halifax Reward Bank of Scotland TSB Classic Plus Nationwide Flexdirect However, with many banks Read more

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Is Santander 123 Really The Best Place To Put Your Savings?

Is Santander 123 Really The Best Place To Put Your Savings?featured

Santander 123 has long been a favourite amongst savers looking for a versatile current account with a generous interest rate. With the account paying 3% interest on balances between £3,000 and £20,000, it’s easy to see why it’s so popular. However, in January this year the bank announced that new and existing account holders would need to pay a Read more

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If You’re Not Saving In One Of These Accounts You’re Missing Out On Free Money

If You’re Not Saving In One Of These Accounts You’re Missing Out On Free Moneyfeatured

You take your lunch to work every day, you’ve given up nights out, and you avoid your local shopping centre like the plague. Gone are the days where you’d honour pay day with a new outfit and a mad night in the club. Instead, you celebrate by transferring a wad of cash from your current Read more

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5 Money Resolutions For The New Financial Year

5 Money Resolutions For The New Financial Yearfeatured

Happy New Tax Year, friends! I hope you have a wonderful year filled with wealth and happiness. Make this year better than the last by turning over a new leaf and setting yourself some personal finance goals for the next 12 months. I’ve included 5 suggestions below to inspire you to get started. If times Read more

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The Lifetime ISA or Help to Buy ISA: Which Is Best?

The Lifetime ISA or Help to Buy ISA: Which Is Best?featured

A year on from the Help to Buy ISA’s big reveal, the government has introduced another tax-free savings solution to the club: The Lifetime ISA. With both the Help to Buy ISA and the Lifetime ISA offering first-time buyers 25% bonuses on their savings, many have described these accounts as ‘no brainers’. But with so Read more

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Why You Should Get A Help To Buy ISA Even If You Don’t Know Where You’ll Be In 5 Years

Why You Should Get A Help To Buy ISA Even If You Don’t Know Where You’ll Be In 5 Yearsfeatured

A few weeks ago I met up with a group of friends that I’ve known for years. In our university days we’d spend our weekends chatting about who threw up on themselves the night before and who’d brought a lad back for the third consecutive week. Now, the topics of our conversations have changed. We’re Read more

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Everything I Buy April

Everything I Buy Aprilfeatured

When I first started saving for a deposit, I was so dedicated to the cause that I’d question every single purchase and avoid buying non-essential items. However, in recent months I’ve found myself picking up old habits and wasting money on pointless stuff. Not only is this preventing me from saving as much as I could do, Read more

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A 5 Step Guide To Saving Your Own F*ck Off Fund

A 5 Step Guide To Saving Your Own F*ck Off Fundfeatured

There’s been a lot of talk lately about F*ck Off Funds, both on Can’t Swing a Cat and elsewhere on the web. While many people may admit to having parents and even grandparents that have been using this foul-mouthed phrase for years, it’s a huge talking point at the moment thanks to Paulette Perlach’s A Read more

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March Money News: How This Month’s News Could Affect You

March Money News: How This Month’s News Could Affect Youfeatured

It’s been a busy month in the world of money saving and personal finance. Following George Osborne’s Budget announcement earlier this month, it’s safe to say the nation has been divided. While many have celebrated the introduction of new savings options for first time buyers, others have criticised the introduction of a National Living Wage which excludes under 25s. Read more

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8 Blogs That Highlight The Importance Of A F*ck Off Fund

8 Blogs That Highlight The Importance Of A F*ck Off Fundfeatured

A couple of months ago I wrote about how having my own F*ck Off Fund allowed me to quit a job that was making me desperately unhappy. I didn’t have another job lined up but, armed with a healthy emergency fund, I decided to take the leap and leave. It turns out that quitting that Read more

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Are Unfurnished Flats More Cost-Effective For Renters?

Are Unfurnished Flats More Cost-Effective For Renters?featured

As I explained in a recent blog post, Jake and I are hoping to move in together in the next few months. We’ll be renting a flat in Manchester while I continue to save the rest of my deposit. After going through our finances with a fine tooth comb and creating a spreadsheet that outlines Read more

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6 Reasons I’m Postponing Buying A Home & Renting Again Instead

6 Reasons I’m Postponing Buying A Home & Renting Again Insteadfeatured

If you follow me on Twitter you may have cottoned onto the fact that I’m currently flat hunting! Unfortunately, despite my deposit-saving mission, I’m not yet looking for a flat to buy, but rather a flat to rent. Although I moved in with my parents a year and a half ago with the intention of never Read more

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The Lifetime ISA Explained

The Lifetime ISA Explainedfeatured

In the 2016 Budget, Chancellor George Osborne announced the introduction of a new ‘Lifetime ISA’. Designed to help people save for a home of their own and save for retirement, the new ISA will reward savers with an extra £1 for every £4 they save. In this post I’ll explain the Lifetime ISA in greater Read more

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UK Budget 2016: What Does It Mean For You?

UK Budget 2016: What Does It Mean For You?featured

This afternoon George Osborne finally revealed the UK Budget for 2016, outlining the financial changes for the year ahead. Here I’ll explain just a few of the changes so you can figure out what the UK Budget announcement means for you: Saving for the future could become that little bit easier If you’ll be under Read more

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Pensions Explained: A Millennial’s Guide to Saving For Retirement

Pensions Explained: A Millennial’s Guide to Saving For Retirementfeatured

With so many living costs to take into account when you’re in your twenties, finding spare cash to squirrel away for retirement can understandably fall to the bottom of our to-do lists. However, considering a comfortable retirement is said to cost upwards of £15,000 a year, it makes sense to start saving as early as Read more

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Should We Start Saving For Retirement In Our Twenties? (YES)

Should We Start Saving For Retirement In Our Twenties? (YES)featured

From houses and holidays to marriage and babies, twenty-somethings are expected to save for many of life’s great milestones in a short period of time. So when experts recommend we save 12% of our salaries (are you mad?) for a comfortable retirement, the financial burden of ‘adulting’ can understandably seem a little overwhelming. With retirement Read more

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Saving For A House? Boost Your Income With These Easy Tips:

Saving For A House? Boost Your Income With These Easy Tips:featured

When faced with the daunting task of saving a deposit, most first time buyers look for ways to reduce their spending so they can squirrel away as much money into a savings account as possible. However, cutting back will only get you so far. When saving for a house or flat, not only is it Read more

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5 Things You Should Buy From Charity Shops

5 Things You Should Buy From Charity Shopsfeatured

Over the last year and a half, ditching the high street in favour of charity shops has played a huge role in my money saving mission. Not only have charity shop bargains helped my savings grow, it’s also allowed me to do my bit for the environment and donate money to worthy causes! However, many Read more

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Premium Bonds: Are They Worth It?

Premium Bonds: Are They Worth It?featured

Ever since I was a teenager, my parents and grandparents have been buying Premium Bonds for me. Birthday and Christmas gifts tend to consist of an envelope with proof of a new deposit and thanks to relatives’ generosity I’ve managed to build up £3,000 in total in Premium Bonds over the years. I’ve had my Read more

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Can We Stop Calling People ‘Brave’ For Not Wearing Makeup?

Can We Stop Calling People ‘Brave’ For Not Wearing Makeup?featured

Inspired by Fearne Cotton’s decision to post a ‘no-makeup selfie’, last week the Loose Women gang decided to remove their makeup while on the show. Equipped with face wipes, they scrubbed their faces clean and were applauded for their ‘bravery’. The way the media harped on about them ‘taking their faces off’ it made it Read more

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