Exeter streets paved with gold!

Following on from my moan about money (or lack of) post the other day I just wanted to give you a quick update. After scouring loads of money saving and debt freeing websites and blogs I decided to start with a couple of easy to do projects. One is the money jar idea from money saving expert and the other was to enter more competitions.

So the money jar is pretty much what it says on the tin. We have a sealed sweetie jar we fill with spare cash as a way of saving. Anytime we have any spare coins in our purses, we empty them into the jar. You can save for anything you want or need but after reading lots of debt advice sites, I’m going with setting up an emergency fund first so once the jar is full it will be transferred to our credit union account. Ethical local savings which are not easy to access – unless of course we have an emergency! Then we will start another jar to save for Natasha’s new piano!

Apparently thousands of UK families are just one pay cheque away from poverty (us included) so I’m trying to change this around. One funny thing I came across was adding ‘roadkill’ to the jar – this is money you find apparently. Well spookily as soon as we started the jar, we started to find money on the street. Ok maybe a 2p here or a 5p there  but I love finding it and it all goes in the jar. Me and the kids found two really shiny 20p’s walking home the other day – it’s like treasure and great fun to look for with the kids!

As for competitions…..I’ll do another blog on this in a few days. Don’t forget to add your comments below. I’d love to hear your money saving ideas, tips & advice.

It’s broke & we gotta fix it !

Had a bee in my bonnet for a few days about not having any money and having a look around the online community I frequent, it seems I am not the only one! Apparently Frugal February is upon us and we’re all feeling a post Christmas panic at the lack of cash in our pockets and wonga in our accounts.

I do find this rather perplexing however as we’re a family (mum, dad, 15 yr old & 11 yr old) who do not go mad at Christmas in any way, shape or form and certainly do not spend any more on food or drink. For me personally, my Mum died in December so I was not even in a place where buying presents for anyone was even on my radar. Luckily for the kids, my husband had it all sorted via online shopping but did not go mad.

So back to now and it seems that there just is not enough money coming in from our two jobs. I must add that we both earn less than the average UK wage although we’re both graduates in our mid-forties. I could go on about our extortionate Devon rent, poor south west wages etc. etc. etc.  but the reason I am writing this blog is to say I’VE HAD ENOUGH!

I’ve had enough of being poor and struggling and I want a better life. I want to pay off our debts through debt consolidation guidance and get a decent secure place to live.  Ideally I’d like to own again one day but Dan and I would happily live in a shipping container home or a timber kit house.

I’ve been scouring the ‘how to be debt free’ websites for tips for our already pretty frugal family and have come up with some ideas which I will be sharing with you as I try them out. Be great to hear your comments, tips and advice too  as long as it doesn’t involve leaving Devon or selling the kids to slavery!