Clearing the Clutter

Clearing the Clutter

I am in the process of packing our house as we are moving in about 12 days. It is only about 0.5 mile away from our current home. Packing always seems to be a daunting task but I find it quite therapeutic as it means a good clean out of things we no longer use. I am not a hoarder and quite ruthless when it comes to getting rid of things, so I am finding we really don’t have a…

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Investment vs. Debt

Investment vs. Debt

My coach suggested to me to take a different perspective on my debt. She suggested I view it as an investment rather than debt. To think back about what I spent my money on, I can’t really remember. What I do remember are some of the experiences I wouldn’t have had if the credit had not been there for me. One was a trip to a friend’s wedding on a remote island in Indonesia as well as a stop over…

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Losing Inspiration and Hiding in the Dark

Losing Inspiration and Hiding in the Dark

So, I haven’t posted on my Blog for a while and I was trying to think of why did it just sort of stop for me. I think I just ran out of content which is silly as I think about Debt most days really and how I want to eradicate it from my life. The other reason was because it was Christmas and the budget went out the window. November had been such an amazing budgeting month. I had…

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Seeing the light when life gets in the way

Seeing the light when life gets in the way

This week things just got away with me and I feel like the goals I have set this month to make that extra money are even more out of reach. I was in a slump this week which doesn’t help when the British winter weather comes in full force and declares it is now winter time. Don’t get me wrong I am not one to complain about the weather – I choose to live in the UK rather than somewhere…

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October Debt Update. Baby Steps…

October Debt Update. Baby Steps…

So I started this blog so I have a platform to talk about debt and to hold my self accountable while paying it off. As of end of October we have: Credit Card Debt: £14,973 Bank Loan: £28,742 Bank Loan 2: £1,035 Car Loan: £4,149 Total Debt: £48,899 This is a scary number when you add it all up but I think it is the first step to facing our debt problem. We were lucky enough to have received about…

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Health + Money + Relationships

Health + Money + Relationships

Recently I became a certified Health Coach. Coaching is something I have always been interested in and when I found Health Coaching it was a no brainer for me to do the course. (I put the fees for the course on my credit card of course!) Health is one of my passions in life. I have always been interested in it and I believe all of us have our relationships with food. Maybe a story for another day! What I…

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The Elephant in the room

The Elephant in the room

In the western word it feels like money is the big white elephant in the room. We all know it is there but no one wants to talk about it. I say this as I grew up in Asia where a man that worked with my Dad asked him straight out ‘So how much do you earn?’ – I love it!! I know if I asked that question to someone at my workplace now in the UK – I would…

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Time for Action

Time for Action

The moment I knew that we had to do something to work out our debt was when we were scrambling around our house to find some money, whatever we could get our hands on, to deposit into my bank because the bank had bounced one of my bills due to insufficient funds. The shame I felt was something I never wanted to feel again. Why was I ashamed? I was ashamed because I am an Accountant. I spend all day…

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