The best money saving tip is simple and anyone can do it. Reduce your contact with advertisements. I remember while I was studying early childhood education years ago the topic of marketing came up. It was eye opening to learn how insidious it really is. Disclaimer: I have not studied marketing and I am notContinue reading “The best money saving tip”
Category Archives: Uncategorized
Emergency Fund in Ireland
An emergency fund in Ireland is essential. It is something most of us know we should have but many of us don’t have one. Lets break it down into manageable pieces and finally understand all there is to know about an emergency fund. What is an emergency fund? An emergency fund is money specifically setContinue reading “Emergency Fund in Ireland”
Why your budget isn’t working
It occurs to me that while I’ve said many times that you need to write a realistic budget that reflects your priorities and I don’t think I’ve explained why. Doing your budget with no regard for your real life spending is a recipe for disaster. If you are wondering why your budget isn’t working it’sContinue reading “Why your budget isn’t working”
Nothing to No One
On the 6th December 2021 my husband and I became debt free. We went from owing over 40k to nothing to no one. It wasn’t over night. It took two years of hard work and dedication. In debt and don’t know how to get out? There are a few simple steps you need to do.Continue reading “Nothing to No One”
Pros and cons of frugal living
Before we get into the pros and cons of frugal living lets talk about what it is. Frugal living is a simple way to live. It is a choice not to spend money willy-nilly on stuff. Instead spend with intentionality. If that sounds pie in the sky let me put it like this- frugal livingContinue reading “Pros and cons of frugal living”
Surveys worth doing
Before we get into the meat and potatoes of this topic let me say this is all only based on my experience and is only my opinion. Paid online surveys are worth doing. Picture this you’re stuck in the dentists waiting room and you’re bored. You have a few options.. -Stare at your shoes andContinue reading “Surveys worth doing”
Your expenses
Last week we looked at your income and this week it’s time to focus on your expenses. So get out a pen and piece of paper, highlighters if you have them to hand and your bank statements. Go through your bank statements slowly and carefully, noting down your expenses into categories. Take note of notContinue reading “Your expenses”
Your Income
This week we will focus on a key element of the budgeting for beginners blog post. Lets talk income. You need to know every cent that’s coming into your house. That sounds excessive and maybe it is a bit but if you don’t know what money you have to work with how can you giveContinue reading “Your Income”
Your Why
The first step in improving your financial position is to establish your why. What is the reason you want to improve your financial situation? Sounds like a silly question, but to make real change you need to look beyond the surface. What is the real reason you want to take control of your money? IContinue reading “Your Why”
Sinking fund or cash flow?
Whether you are new to budgeting or an old hand at it deciding whether to use a sinking fund or cash flow for an expense can be a pain in the neck. Lets start at the beginning and talk sinking funds for a moment. What is a sinking fund? Sinking funds are money you putContinue reading “Sinking fund or cash flow?”
Frugal Mama Ireland 