An image of a penny to depict the Penny Challenge.

DJT’s 365 Day Penny Challenge

You will probably have come across lots of saving challenges, especially at this time of year, but I have adapted the Penny Challenge to suit me and my saving aspirations. In normal circumstances the Penny Challenge works by adding an extra penny to your total per day, for e.g. 1p, 2p, 3p right the way up until you put £3.65…

swap

Save Money At A Sip And Swap

Stop buying, just swap! If there is one thing I have learned from my girlfriends it’s you ladies love your clothes. I have lost count of the times I have sat waiting for one of them to get ready whilst they frantically tear through a department stores worth of clothes claiming they have nothing to wear. Now I am not…

How to build wealth

6 Money Habits To Build Wealth

Financial success and wealth isn’t achieved overnight. It takes a firm plan and a commitment to execute it to the letter. Intelligence, charm and talent  are all fine and dandy, but more often than not these aren’t what separate the wealthiest from the poor among us. The differences lie in our daily habits and rituals. These subconscious, second nature activities…

pension

6 Ways To Completely Sabotage Your Pension

Even when you finally hit your 30s it can feel like retirement is a million miles away, but the sooner you start to get a grip of your pension situation the better. The government and many experts are becoming incredibly worried that we are not saving enough for your retirement. I was late to jump on the bandwagon myself at…

car insurance

How To Spank Your Insurer For Cheaper Car Insurance

Another year, another price increase, it’s something that UK drivers are pretty used to, but, with a bit of savvy shopping you can spank the insurer and dodge the average £50 hike that’s been added to your insurance bill this year. According to figures released by MoneySuperMarket, the average car insurance quote has risen £478, a £50 increase over the…

Pension Time Bomb: Why You Need To Save Now! [INFOGRAPHIC]

Are you a part of the pension ticking time bomb? If you are a regular visitor to this blog you will know that I am an extremely late retirement saver and only very recently started taking care of my pension. I was warned at 28 that I was already too late by a financial advisor, I chose to act at…

Retirement

When Should You Start Saving For Retirement?

A constant increase in the cost of living means saving for your retirement has never been so important It is a conundrum for many of us. When is the perfect time to start saving for retirement? Well that depends on your life goals I suppose! For instance, I’m planning ahead now so I can call work a day by the…

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