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Can't Swing a Cat

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The Secret To Saving For The Future While Living Life Now

Life & Style, Money, Saving Money, Thrifty

In a blog post I wrote earlier this week entitled ‘How I saved £3000 in 3 months‘ I called myself boring because I’ve not being going out as much as I used to. Since then, I’ve decided that I’d like to retract this statement. We don’t need to spend money to have a good time or feel satisfied with our lives, and even… View Post

How I Saved £3000 in 3 Months

Life & Style, Living at Home, Making Money, Money, Saving Money, Thrifty

It’s been 3 months now since I moved back in with my parents. Since then I’ve managed to save £3000 towards my dreams of owning my own home. What’s sobering is that it’s not even a lot of money in terms of buying my own place, but it’s a sum that would take much longer to save had I been… View Post

How I Lost A Stone In Two Months Without Getting Hungry

Health

Two months ago I joined Slimming World. After gradually piling on the pounds over the last couple of years, I was starting to feel really down about my appearance. I finally got to a stage where none of my clothes in my wardrobe fitted me and I decided enough was enough and I needed help. I’d spent so long telling myself… View Post

Second Hand Christmas: How To Find The Perfect Gift In A Charity Shop

Charity Shops, Life & Style, Money, Saving Money, Thrifty

With Christmas fast approaching, there’s no doubt that an increasing number of people will be spending more money than they can afford in order to provide the perfect presents for their family and friends. It needn’t be this way , and I think it’s about time that we all started to be more open with the people we know and… View Post

Top 10 Slimming World Accounts On Instagram

Health, Life & Style

I think part of what makes Slimming World so great is the fact that you’re surrounded by like-minded people. Thanks to weekly groups and weigh ins, you’re able to get regular support and motivation from both your consultant and fellow members. But what about when you go home and are left to your own devices all week? How can you make… View Post

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About Jenni

Hi! I’m Jenni, a personal finance writer and freelance journalist on a mission to help people be better with money.

Tired of counting down the days until payday? No idea where your money disappears to each month? Eager to save a deposit against the odds?

Take a look around. You’ve come to the right place.

Recent Posts

  • Coronavirus And Matched Betting: Is Now A Bad Time To Start This Side Hustle?
  • 4 Things I’ve Learned About Productivity From My Part Time Job In Retail
  • Is Matched Betting Worth Doing In 2020?
  • Is The Skincare Industry A Scam?
  • Is Buying A House Making You Too Stressed To Shag?
Instagram post 2278464580048202578_43786404 SHOULD YOU ASK FOR A MORTGAGE HOLIDAY? This post is likely to be most helpful for homeowners, but some tenants may find it interesting too
Over the last few weeks 'mortgage holidays' have been talked about widely on TV and social media, but they've also been misrepresented. I've seen a lot of people arguing that if their landlord gets a mortgage holiday, they should automatically get a rent holiday
Although I'd love to see financially-comfortable landlords letting struggling tenants live rent-free for at least a couple of months, as I'm about to explain, the last thing you want is for their mortgage holiday to be passed onto you
Basically, if your lender agrees to give a homeowner a mortgage holiday, this means that mortgage repayments won't need to be made for a specified period of time. Basically, it's like your mortgage is put on pause
Unfortunately, the missed payments will need to be paid back eventually. This is likely to mean that once the mortgage holiday is over, the homeowner's mortgage repayments will increase
Let's imagine you usually pay £350 a month. Your lender may agree to a 3 month mortgage holiday, meaning you won't have to pay anything until July. But when your repayments resume, you may have to pay £370, £400, or even more than that each month
The exact amount will depend on a number of things such as the lender's terms, the amount of debt you have, and the period of time you'd like to spread the missing payments over
Not only will most homeowners be expected to pay back the missed payments eventually, they'll also have to pay more interest too
Basically, a mortgage holiday isn't as fun and rewarding as it may sound. Essentially, you're just taking on more debt
If you're really struggling to make ends meet at the moment, a mortgage holiday may give you some much-needed relief while your finances are overstretched. But please remember this isn't 'free' money & if your financial circumstances haven't drastically changed as a result of COVID-19, you'll probably be better rejigging your budget so that your mortgage repayments continue to be a top priority
Hope you're all doing as ok as can be♥️
Instagram post 2277711389056691794_43786404 Exactly, @themoneyshed 👏
Now is not the time to scold or berate people for not already having an emergency fund. Simmer down with the "I ToLd yOu sO" silliness because it's unhelpful & unproductive 
Not everyone's financial circumstances have been negatively impacted as a result of coronavirus & there are people out there who would be wise to put money away for the future - especially when our social lives have taken a hit & we can't spend on restaurants, nights out & holidays etc
But most of those without emergency funds are without emergency funds for good reason. it's unlikely to be any easier for them to save now than it was before
We're all doing the best we can & our past selves could never have imagined how drastically our lives could change as a result of this crisis. We didn't see it coming & we're not to blame for not doing more to safeguard our finances
Instagram post 2277285289320014036_43786404 Guess who's got herself a flatmaaaaate! That's right... me!
Today I said goodbye (for now) to my bedroom and moved into the spare room to make way for a lodger
My shift at work tonight was a weird one because I just kept thinking: "there's someone in my flat and it ain't me!" When I got home, my flatmate's door was open so I went over to say hello and to see how she'd gotten on unpacking
Mate. Our girl is COMFORTABLE! 😂 I was only in work for 4 hours and in that time she's fully made the room her own. It looks so much cosier than before. The picture above is from last year FYI
Getting a lodger has been a nerve-wracking process, made even scarier by everything that's going on at the moment
But I'm very aware how lucky I am that this is even an option for me. Put it this way: I'm getting paid to have a flatmate rather than paying to be a flatmate, and I don't think you can get much more fortunate than that
Instagram post 2273370311017044694_43786404 My heart bleeds for them
Instagram post 2273347738203854773_43786404 I know this picture was probably created with toxic relationships in mind, but it's relevant right now too, don't you think?
Mother's Day flowers didn't sell very well at work on Sunday and I think it's because people were choosing not to visit their mums
We've got mums and dads fresh out the hospital, introducing their own parents to their newborn babies through living room windows 
We've got couples in long distance relationships who are having to wait even longer than originally planned before they can see each other
And then we have all the travellers that are still stranded abroad due to repeatedly cancelled flights and the people back at home who miss them 💔
Right now I'm trying to figure out how I can teach my mum to download and use Houseparty when we're not in the same room as one another 📸picture reposted from @secondsapart
Instagram post 2272672653391592536_43786404 'snitches get stitches' no longer applies
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