3 reasons I will be keeping my credit card despite living a debt free life

I have written before about how I follow the Dave Ramsey Baby steps for clearing debt and managing our finances. Under that process it is recommend to close your credit card and to only use cash when making purchases. However…

View Post
Turkey mince Koftas

Turkey mince Koftas

These Turkey Koftas are a recipe I created while following Weightwatchers. As turkey/ chicken breast mince is 0 sp these were a great zero pointed snack or an accompaniment to a salad. I have also noticed in my local Tescos…
View Post
The creation of our ‘Budget Box’ – What is it and what do I use it for

The creation of our ‘Budget Box’ – What is it and what do I use it for

I posted recently about how we have just made the switch from online to real, physical cash envelopes. As part if that we also needed somewhere to store them. So I created our ‘Budget box’ This is a box I&…
View Post
Confession time and the switch to real cash envelopes

Confession time and the switch to real cash envelopes

I have a confession to make. We have built up debt on our credit cards again. This means we are now back to baby step two.  And this time around we are using real cash envelopes  After we moved house …
View Post
Dave Ramsey – Thoughts on his Baby Steps from a UK Follower

Dave Ramsey – Thoughts on his Baby Steps from a UK Follower

Who is Dave Ramsey? I came across Dave Ramsey when I first started to have thoughts about clearing our debts early. I went to YouTube to look up videos about budgeting and I came across a few American channels who&…
View Post