2019-12-02 09:58
One of my passions in life is digital marketing.
It’s what I do for a career. It’s how I spend much of my personal time. It’s something I’ve studied for over 20 year… Read More
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Not Acceptable! Blog
frugalitymagazine.com
Provides tips and information on saving money and gaining control over your finances.
2019-11-29 09:57
Building wealth is often seen as a long, difficult and complicated process.
Many people feel so overwhelmed at the enormity of their situation that they never even pluck up the courage to g… Read More
2019-11-27 09:58
Let’s assume for a moment that you’ve got $500 a month that you can save or invest. Not a penny more.
The question is really: how can we make that monthly contribution even bigg… Read More
2019-11-25 09:58
One of the reasons why many of us struggle with money is simply how many different things we need to juggle.
Current accounts, savings accounts, mortgages, pensions, investments a… Read More
2019-11-21 09:58
I woke up recently to discover that a monthly subscription I pay for had charged me an astonishing 14 times overnight.
Worse, they were still charging me as I discovered the issue at 6am… Read More
2019-11-20 09:58
There are a number of ways that you can increase your income, but starting your own side hustle is one of the most powerful.
Not only can you earn extra money in your spare time, but your ea… Read More
2019-11-18 09:57
Being in debt sucks – but it doesn’t have to be forever.
If you want to learn how to become debt free once and for all then you’ve come to the right place.
The sole aim of… Read More
2019-11-13 09:56
Owning a pet doesn’t just bring with it responsibilities; it also brings extra cost. For those of us living on a budget that can be a real strain, yet many passionate pet keepers would… Read More
2019-11-11 09:56
They say that the definition of insanity is doing the same thing over and over again, while expecting a different result. Take a moment to look around you and you’ll find that many of… Read More
2019-11-08 09:56
In theory building wealth is very simple. Cut your expenses as low as you possibly can while growing your income. As the gap between these two numbers widens you invest the remainder into ap… Read More
2019-11-06 09:56
A couple of years ago I quit my job.
I did more than just move from one employer to another, however.
I quit without another job to go to, packed up my belongings and rented a villa i… Read More
2019-11-04 09:54
Habito and Trussle are two of the best-known online mortgage brokers. As a first-time buyer with little knowledge of the process, earlier this year I decided I would certainly benefit from j… Read More
2019-11-01 09:54
As an introvert, I’ve never liked the idea of wandering into a bank to ask about mortgages.
Luckily the internet has revolutionised the mortgage industry, with companies like Hab… Read More
2019-10-30 09:54
Buying your first home is an experience that you’ll never forget. However we want to make sure this is for the right reasons!
You see, buying a property can be a complex… Read More
2019-10-28 09:54
Trussle is arguably one of the biggest and best-known online mortgage brokers. In spring of 2019 I was on the hunt for my very first mortgage, and I decided to give them a go.
In this artic… Read More
2019-10-27 09:50
If you’re reading this article then you already know how important it is to dedicate time and energy to managing your money.
That’s not up for debate.
The real question is how t… Read More
2019-10-27 09:50
Saving money for a house is tough at the best of times.
But if you’re already blowing a load of money each month on rent then things can really be tough. What’s the answer?
Havi… Read More
2019-10-27 09:50
Sometimes trying to get out of debt can feel like swimming through treacle.
No matter how hard you try, your progress can be frustratingly slow.
Surely there has to be a better way?Today w… Read More
2019-10-27 09:50
I started this blog in the summer of 2013, when I was up to my eyeballs in debt.
At the time I wasn’t just struggling to keep up with my minimum payments – I was actually failin… Read More
2019-10-27 09:50
The concept of early retirement is a popular one among personal finance bloggers. It’s little wonder; who wouldn’t want to give up paid work in their 40’s (or before) to sp… Read More
2019-10-27 09:50
CoastFI is a phrase used to describe someone who isn’t yet financially independent (i.e. no longer needs to work) but has already put in the necessary effort to almost inevitably achie… Read More
2019-10-27 09:50
BaristaFI is a phrase used to describe someone who isn’t fully financially independent (i.e. no longer needs to work) but has enough income from passive investments that they only need… Read More
2019-10-27 09:50
In my humble opinion many of us over-complicate personal finance.
We simply don’t know what to focus on, so we end up either doing nothing.
Either that or we try to do everythin… Read More
2019-10-20 11:30
I’ve got a guilty secret to share with you.
The longest I’ve ever had a job was two years. And even that was tough going.
The reason? The honest answer is I get bored very easi… Read More
2019-10-20 11:30
“Frugality” is a word that can instil a range of different emotions.
For some, frugality is a source of inspiration and power, allowing you to put money aside for the future.
F… Read More
2019-10-20 11:30
Based on the most popular articles on this blog, a fair number of you hate your job.
Sadly, there are all sorts of reasons why just finding a new job isn’t possible (right now, at lea… Read More
2019-10-20 11:24
As an introvert, I’m constantly frustrated about how the world seems set up primarily for the benefit of extroverts.
Job adverts tell us they’re looking for confident team playe… Read More
2019-10-20 11:23
I recently connected with an old school friend that I hadn’t spoken to in years.
Accepting their friend request on Facebook, I started to notice all sorts of other names I hazily reme… Read More
2019-10-20 11:23
I make no apologies for my frugality.
But over the last year or two I’ve started to realize that you can’t be frugal the whole time…
In many ways frugality is like dietin… Read More
2019-10-20 11:14
I recently wrote about my decision to open a Lifetime ISA. However in this article I want to discuss one of the biggest questions I had personally – whether to choose a Cash Lifetime I… Read More
2019-10-20 11:13
With my house purchase well and truly complete, my next financial goal is to start investing for the future, so that I can watch my net worth increasing each month.
But what tool to use to… Read More
2019-10-20 11:12
Choosing a mortgage can be an intimidating experience.
You’re signing up for what is likely to be the biggest debt you ever take on – so you want to be sure you’re ma… Read More
2019-10-20 11:03
In the spring of 2019 I purchased my first home, and I did so using the services of Premier Property Lawyers.
Selecting a conveyancer can be an intimidating part of buying your home. W… Read More
2019-06-16 08:05
Less than ten minutes ago I was sat in my garden, bathing in the late September sunshine, admiring the zinnias and cosmos that are still in full flower.
The phone in my pocket pinged, alert… Read More
2019-06-16 08:02
I’ve been wearing glasses since I was ten years old. During that time I’ve become ever more uncomfortable with just how expensive glasses have become. As a fan of frugal living… Read More
2019-04-28 06:33
There’s little that I like more than quick, effective ways to save money. Well, except perhaps figuring out new ways to save money that I hadn’t previously considered. As a compl… Read More
2019-04-28 06:25
If you’re struggling to get ahead financially then it’s too easy to get overwhelmed. Discussion forums and personal finance blogs are filled with stories of people earning six fi… Read More
2019-03-02 09:30
Transferwise is one of the best-known currency conversion services, offering rates that are typically far more generous than high street banks.
Recently they introduced an exciting new serv… Read More
2019-03-02 09:30
One of the most intriguing parts of being a blogger is looking at all the various phrases typed in to find my site. Interestingly, a growing question pertains to getting turned down for a pa… Read More
2019-02-23 07:21
Most of us spend more time at work than we do sleeping. We see more of our work colleagues than our own family or friends.
There can be few more depressing or frustrating experiences than h… Read More
2019-02-23 07:20
In November of last year I moved into a new rented house.
The letting agent proudly told me that they would deal with the utility companies for me. When a new tenant moves into one of their… Read More
2019-02-16 08:32
When we decided to move to France for the summer I quit my job without another position in mind. Worse, I didn’t just give up my job; I also moved out of my rented property, with… Read More
2019-02-10 09:00
One recurring theme when it comes to personal finance blogs is the importance of investing.
We’re told to control our spending, and to put any available money into the stock market, c… Read More
2019-02-03 09:28
As we transition from Christmas into the new year its normal to consider how you’d like to improve your life this year. For many people that means New Year’s Resolutions. Sadly… Read More
2018-12-31 13:02
It’s been said that a large number of Americans couldn’t survive for more than a month without pay. At the end of April this year, bored and needing a change of pace, I… Read More
2018-12-22 10:06
I firmly believe that the concept of “retirement” is changing. To many of us, retirement is something that gray-haired folks do, giving up their jobs to live on a pension after 4… Read More
2018-12-09 12:34
Becoming debt free in a year is quite a simple process because it’s just simple math. Here’s what you need to pay off your debt in the next 12 months…
Gather Your Debts &n&hell…Read More
2018-12-09 11:47
Owning a dog can be expensive. One of the most obvious ways to save money is on reducing your pet food bills. But how can you do that?
Fortunately, as someone who spent several years workin… Read More
2018-11-11 10:22
Do you ever look jealously at other people’s finances?
Have you seen those annoyingly impressive interviews with people who retired at the age of 40, only to find out later that they… Read More
2018-07-31 08:00
One of the most painful parts of renting a property is the security deposit that most landlords expect.
In the UK, at least, that tends to equate to around 1.5 months of rent – in add… Read More
2017-08-07 08:00
Environmentally-friendly ways of living can often seem expensive and inconvenient. Investing in solar panels, electric cars and treble-glazing might pay off eventually, but they’re har… Read More
2017-07-24 08:00
I have always maintained that living a frugal lifestyle is as much about psychology as it is about tactics and techniques.
There’s little point swapping to shops-own brands to s… Read More
2017-07-17 08:00
A common question I receive from readers is “should I get a second job?”.
The fact that so many are asking the same question suggests that many of us would appreciate more money… Read More
2017-07-10 08:00
If saving money was easy, everyone would be doing it.
The reality, as we know, is that most people spend just as much money as they earn – sometimes more.
If you’re wondering h… Read More
2017-07-03 08:00
Frustrating, isn’t it?
No matter how hard you work, or how frugally you live, when you earn little more than minimum wage it can be near impossible to get ahead financially.
I speak fr… Read More
2017-06-26 08:00
When you’re deeply in debt it is easy to feel like you’ve lost control of your finances.
Thoughts of how to become debt free can take over your life.
Worry over the debt you&rsqu&hell…Read More
2017-06-19 08:00
Paying off debt is a drag, right? I mean, who willingly spends their cash on paying off a credit card, rather than doing something that they enjoy?
Or, and least that’s what I used to… Read More
2017-06-12 08:00
Taking your car to France offers the ultimate in practicality and comfort, allowing you to get around this huge country and see as many of the sites as possible.
However, taking your car to… Read More
2017-06-05 08:00
Accessing money while you’re abroad can be expensive and inconvenient.
The conversion rates for holiday money at most high street banks and bureaux de change are far from competitive… Read More
2017-06-03 08:00
Early retirement; it’s what so many of us long for, so that we can finally sever our ties to “the man” and follow our passions instead.
No more being tied to a job, with al… Read More
2017-05-26 08:00
Credit cards – they’re one of the most powerful drugs of all.
We all start off with good intentions, claiming that our credit card is only for emergencies, and that we’ll… Read More
2017-05-25 08:00
According to statistics, money is the single biggest worry that we humans have – affecting almost a third of us from time to time.
But there are ways to soften the blow, no matter wha… Read More
2017-05-24 08:00
It’s no secret that hardcore savers invest a lot of time and energy into saving money. But are there ways that anyone can save money without even trying?
As it turns out there are. Ju… Read More
2017-05-23 07:06
I’ve been blogging in one form or another since around 2007, and in that ten years I’ve launched dozens of different blogs. However I never seem to get bored with the process of… Read More
2017-05-22 06:59
Living on a low income can be tough at the best of times, but trying to save money alongside can be nearly impossible. Nearly, but not quite. In today’s blog post we’re going to… Read More
2017-05-20 06:59
Three weeks ago I quit my job.
Some people might think I’m mad, but right now I’m having the time of my life.
While I plan to go back to full-time employment at the end of the… Read More
2017-05-19 06:59
Life has a nasty habit of throwing us curve balls. Just when we think we’re getting head, a spanner is thrown in the works and we find ourselves back at square one.
I personally know… Read More
2017-05-18 09:00
Regular readers will know that my girlfriend and I recently moved to France for four months of sun, relaxation and culture. That’s right – we’re not talking the odd week he… Read More
2017-05-17 08:00
Fewer and fewer of are buying houses these days due to the extreme costs involved. But, I’m here to tell you that home ownership is within your grasp if you’re willing to fo… Read More
2017-05-16 09:00
If you’re looking for ways to earn money at home then I have good news for you: in this article we’re going to discuss a whole host of different options available to you.
W… Read More
2017-05-15 09:00
Albert Einstein called compound interest “the eighth wonder of the world”.
It’s not difficult to see why.
Consider the following table, in which we assume that you have j… Read More
2017-05-12 09:00
The first step in gaining control of your finances starts with becoming debt free. Once you can stop worrying about repayments on your credit cards, loans and vehicle purchases you’ll… Read More
2017-05-11 14:34
Until last week I’ve never really paid much attention to windowsills. They’re just – well – windowsills. Like shopping bags or car mirrors, they don’t tend to a… Read More
2017-03-27 14:32
When you’ve finished reading this article you’ll never again pay full price for gift cards.Why? The answer is that it’s so simple to save money on gift cards that when you… Read More
2017-03-20 14:28
Its no secret that many of us on the road to financial security maintain a side hustle of some form. They’re not just fun; but can also significantly increase your income. At least a f… Read More
2017-03-13 14:25
Ten years. That’s how long I carried around my debt with me after leaving university. Indeed, for the first few years after graduation the pile actually got considerably bigger –… Read More
2017-03-06 14:20
Its a sad fact of modern life that many of us spend our lives trying to impress other people.We buy expensive shiny cars. We go on expensive overseas vacations (and make sure to post picture… Read More
2016-12-28 07:33
If you’re an avid reader of personal finance blogs then you’ve no doubt stumbled across some incredible success stories.For example consider how Mr Money Mustache managed to reti… Read More
2016-12-21 07:19
We live in a consumer society, constantly bombarded by adverts and media pushing the next product we need to buy. Little wonder so many of us end up squandering our hard-earned cash on the l… Read More
2016-12-14 07:16
So you want to make more money, but you don’t know where to start.Trust me, I’ve been there.Over the years I’ve tried everything from working second jobs, to writing Kindle… Read More
2016-12-07 07:16
Most of us have financial dreams – especially the intelligent, talented individuals who read personal finance blogs like this one (that means you, buddy!). But as many of us have disco… Read More
2016-11-30 07:29
This year I set myself some pretty big savings goals.I’ve carefully cut all my expenses to the bone in recent months, and I know just how much I can save each month.Then I made a targe… Read More
2016-11-23 07:27
Just over two years ago I celebrated sending off my last debt repayment. It was an incredible day that I’ll never forget: the conclusion to a three year journey towards debt-free livin… Read More
2016-11-16 07:11
I have a friend who runs his own successful building company. He makes an impressive income as a result, but works from morning till night every day. As a result he rarely sees his family.As… Read More
2016-11-14 06:46
This entry is part 14 of 14 in the series How to Start a Profitable BlogBy now you’ll know how much I love Adsense. It’s a great way to very easily start making money with your b… Read More
2016-11-09 07:05
This entry is part 13 of 13 in the series How to Start a Profitable BlogWelcome to lesson #13 of the course.Today we’re going to do something pretty exciting; we’re going to star… Read More
2016-11-07 06:46
This entry is part 12 of 13 in the series How to Start a Profitable BlogWelcome to lesson #12 of the profitable blogging course.Today we’re going to round off the blog promotion aspect… Read More
2016-11-02 06:46
This entry is part 11 of 13 in the series How to Start a Profitable BlogHere we are at lesson #11 in our profitable blogging course.In case you missed the last lesson you can download the PD… Read More
2016-10-31 06:45
This entry is part 10 of 13 in the series How to Start a Profitable BlogWelcome to lesson #10 of your profitable blogging course.Haven’t we come a long way already?We’ve set up y… Read More
2016-10-26 06:47
This entry is part 9 of 13 in the series How to Start a Profitable BlogWelcome to lesson #9 of the profitable blogging course.We’ve got a lot to cover today, but its likely to be one o… Read More
2016-10-24 06:46
This entry is part 8 of 13 in the series How to Start a Profitable BlogWelcome to lesson #8 of the profitable blogging course.I can’t believe how far we’ve come already!Hopefully… Read More
2016-10-20 07:07
This entry is part 7 of 13 in the series How to Start a Profitable BlogWow – here we are at lesson #6 already.By now your blog should be all set up. You’ve chosen your niche, sel… Read More
2016-10-19 07:06
This entry is part 6 of 13 in the series How to Start a Profitable BlogWelcome to lesson #7 of the profitable blogging course.They say that a picture is worth a thousand words. Never is this… Read More
2016-10-18 07:08
This entry is part 5 of 13 in the series How to Start a Profitable BlogWelcome to lesson #5 of your profitable blogging course.We’re really moving along nicely now.Today we’re go… Read More
2016-10-15 07:26
This entry is part 4 of 13 in the series How to Start a Profitable BlogWelcome to lesson #4 of the profitable blogging course.In case you missed the last lesson you can download the PDF for… Read More
2016-02-05 07:33
Between leaving university and actually becoming debt free, I carried round my debt for almost a decade.
During this time my debt weighed heavily on my mind; causing me lost sleep as the sum… Read More
2016-02-01 07:28
At the end of every month I sit down to crunch the numbers on my budget.
I trawl through every expense for the month, looking at whether it was necessary or not. I look for ways that I can r… Read More
2016-02-01 07:23
Happy (Belated) New Year!
Here we are, at the end of January, and finally life seems to be getting back to “normal”!
During my extended Christmas break, as I always do… Read More
2015-12-12 19:11
Debt has become so commonplace in today’s society that it’s almost considered “normal” by many people.
Every time you turn on the TV or open a newspaper or walk into… Read More
2015-12-07 07:38
There are two versions of frugality.
The first of these is people who are looking to spend less on everything.
This might be because either because they’re on a very tight budget or ju… Read More
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