An image to depict money fails

Recognise, don’t criticise. Even money bloggers f*ck up sometimes

I set up Thinking Thrifty in December 2015 with the aim of having something out there that would keep me accountable for my money and ridiculous spending habits. I didn’t think so many people would go on to read it at the time. The aim back then was to save for a mortgage deposit to buy our own house,…

An image to depict harm to your finances

An inside guide on how to completely screw your finances

Working in the debt industry I speak to people day-in-day-out who are struggling to maintain their household finances and credit commitments. Illness, breakdown in relationships, lost jobs, failed business ventures, reckless spending or just a total lack of meaningful income – I’ve seen it all. However, whilst chained to my desk for an obscene amount the day, you can…

An image to depict benefit payments made by DWP

DWP benefits errors cause £5,000 refunds for ESA claimants

Tens of thousands of people on sickness benefits are set to receive backdated payments at an average of £5,000.  It is thought the Department for Work and Pensions (DWP) will have to pay anything up to £1.7bn in backdated payments and subsequent future adjustments due to the gross government error which has left many people living on the breadline…

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How to recognise a good debt from a bad debt

If you’re considering borrowing it’s beneficial to be able to recognise the difference between good debt and bad debt. Whilst there are some things in life where taking out a debt can undoubtedly be a great investment in your long term financial well-being, there are others that can leave your long term outlook in tatters. Arming yourself with the…

The Bean personal finance tool helps you keep track of your finances for free!

Bean Personal Finance Tool: It’s Free And It Will Change Your Finances

I’m a huge fan of money tools, I love things that can free up my time as my day-to-day life is too busy to have a spreadsheet for absolutely everything, thankfully I’ve come across a little beauty called Bean. Put all thoughts of Rowan Atkinson and yellow minis aside, there is nothing calamitous about this, in fact it’s shown…

Is there such thing as a self employed IVA? 

Is There Such Thing As A Self Employed IVA?

A reader emailed me over the weekend concerned that his debt was getting pretty unmanageable, ‘reader’ had been scouring the internet for advice and was confused as to whether there was such thing as a self employed IVA.  Research suggests self employed people are just as likely to be struggling with debt problems as the unemployed people. Without a…

The new 12 sided one pound coin has been in circulation for over six months and the old pound coin is now on borrowed time.

When Does The Old Pound Coin Cease Being Legal Tender?

The new 12 sided one pound coin has been in circulation for over six months and the old pound coin is now on borrowed time. A hectic work life over the last few months has meant I haven’t travelled often recently, and it only dawned on me the old pound coin is on its way out when I tried…

After a week from hell with food poisoning which left me spending most of the week with my head down the bog and an arse that bears a striking resemblance to the Japanese flag, it was a welcomed relief to have the SHOMO Awards to look forward to on Saturday.

Hey SHOMIES: The SHOMO Awards 2017

After a week from hell with food poisoning which left me spending most of the week with my head down the bog and an arse that bears a striking resemblance to the Japanese flag, it was a welcomed relief to have the SHOMO Awards to look forward to on Saturday. We can sometimes be overlooked in award ceremonies as…

Do Online betting Firms target vulnerable People?

Do Online Betting Firms Target Vulnerable People?

Four UK betting firms have faced criticism from the Advertising Standards Authority (ASA) for using online ads which the regulator claims target vulnerable people. The ads in question were created and placed by “affiliates” – agencies which get paid to direct potential customers towards company websites, in this case online casinos. The advert raised alarm bells for the ASA…

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